Defending Debt Lawsuits in Montgomery County
If you’ve been served with a debt collection lawsuit in Conroe, Texas, you may feel confused, anxious, or unsure of how to respond. Whether it’s a credit card debt, medical bill, personal loan, or old collection from a repossession, it’s critical to know: you have legal rights—and defenses.
At Texas Debt Law, we represent Conroe residents and consumers throughout Montgomery County who are being sued by debt collectors or third-party debt buyers. We defend you in court, challenge invalid claims, and help you avoid harmful default judgments. Our goal is simple: protect your money, your credit, and your peace of mind.
Free Case Evaluation
(281) 407-1327
Flat-Fee Pricing for Debt Lawsuit Defense
| Amount of the Lawsuit | Our Flat Legal Fee |
|---|---|
| Less than $1,000 | $400 |
| $1,001 – $2,500 | $500 |
| $2,501 – $5,000 | $750 |
| $5,001 – $7,500 | $1,000 |
| $7,501 – $10,000 | $1,250 |
| $10,001 – $12,500 | $1,500 |
| $12,501 – $15,000 | $1,750 |
| $15,001 – $20,000 | $2,000 |
| Over $20,000 | Call for Pricing |
Flexible payment plans available. We work with your budget.
Why Am I Being Sued?
Many debt lawsuits in Conroe are filed by companies that didn’t originally lend you money. These are called debt buyers—companies that purchase charged-off debt from banks, credit card issuers, and lenders for pennies on the dollar, then sue consumers to collect full balances.
Common debt buyers who file lawsuits in Montgomery County include:
- Midland Funding / Midland Credit Management
- LVNV Funding
- Cavalry SPV I, LLC
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR, LLC
These companies often rely on high-volume law firms to file thousands of lawsuits per month. Many people lose these cases simply because they don’t respond in time.
Don’t Ignore a Lawsuit in Conroe – Here’s What Can Happen
In Texas, once you’re served with a Citation and Petition, you generally have 14 days to file an Answer with the court. If you don’t respond by the deadline, the court can issue a default judgment in favor of the creditor.
Once a creditor has a judgment, they can:
- Freeze your bank accounts
- File liens on your property
- Wreck your credit
- Collect interest for up to 10 years
You can stop all of this—but only if you act quickly. Our legal team at Texas Debt Law works fast to evaluate your case, file the necessary paperwork, and build a solid defense strategy.
Where Are Debt Lawsuits Filed in Conroe?
Most debt collection cases in Conroe are filed in:
Montgomery County Justice of the Peace Courts:
- JP Precinct 1 – Conroe
- JP Precinct 2 – Magnolia
- JP Precinct 3 – The Woodlands
- JP Precinct 4 – New Caney
For lawsuits over $20,000, creditors may file in the Montgomery County Court at Law or District Court, both located in downtown Conroe.
We are experienced with all of these courts and understand how each judge and precinct handles debt cases.
Common Legal Defenses to Debt Collection Lawsuits
Just because you’re being sued doesn’t mean the case is valid. In fact, many debt buyers lack the documentation or legal standing to win in court. Our attorneys review every case for key defenses, including:
📑 Lack of Proof
Can the plaintiff show they actually own your debt? Can they produce a valid contract or account records? If not, they may have no legal claim.
⌛ Expired Statute of Limitations
Texas law gives creditors 4 years to file a lawsuit on most debts. If the deadline has passed, the case should be dismissed.
❌ Wrong Defendant
You may have been sued due to a clerical error, name mix-up, or identity theft.
💰 Inflated Balances
Debt buyers often sue for amounts that include unauthorized fees or interest that exceed what was originally owed.
📉 Incomplete or Inaccurate Records
We hold creditors to a strict burden of proof. If they don’t meet it, we fight for dismissal.
How Texas Debt Law Helps Clients in Conroe
We are a Texas-based law firm focused exclusively on helping consumers fight back against unjust debt lawsuits. We don’t dabble in different areas of law—we live and breathe debt defense.
Here’s what we do:
✅ File Your Answer
We ensure your response to the lawsuit is submitted correctly and on time, protecting you from default judgment.
✅ Represent You in Court
We attend hearings, challenge faulty claims, and negotiate from a position of strength.
✅ Negotiate Settlements
If dismissal isn’t possible, we often settle cases for 30%–60% less than what’s claimed—sometimes with monthly payments.
✅ Vacate Judgments
If a judgment has already been entered, we may be able to reopen the case—especially if you weren’t properly served.
✅ Flat-Fee Representation
We offer clear, flat-rate pricing with no hourly fees or surprise costs.
Results for Conroe Clients
Here are a few real-world outcomes we’ve achieved for clients in Montgomery County:
- $10,300 lawsuit dismissed due to missing account documentation
- $13,500 settled for $2,700 with affordable monthly payments
- Default judgment vacated after improper service to old address
- Emergency motion filed to unfreeze client’s bank account within 24 hours
We’ve helped Texans across the state defend their rights—let us help you too.
Frequently Asked Questions (FAQs)
Can a creditor garnish my paycheck?
In Texas, wage garnishment is not allowed for consumer debts—but a judgment does allow the creditor to freeze your bank accounts and file liens.
I owe the debt—should I just pay it?
Even if you owe something, the lawsuit might still be invalid or inflated. Let us review the case first. We may be able to negotiate a better deal or get the case dismissed.
What if I never got served properly?
If the plaintiff didn’t follow proper procedures, we may be able to vacate the judgment and get your case reopened.
Will I have to go to court?
In many Justice Courts, we can appear for you. If your presence is required, we’ll prepare you thoroughly and appear alongside you.
Why Conroe Chooses Texas Debt Law
We’ve built our reputation by protecting Texans from abusive debt collection practices and giving clients clear, affordable legal defense options. Here’s why Conroe residents trust us:
- ✅ Flat-fee pricing (no hidden charges)
- ✅ Fast response times
- ✅ Deep knowledge of Montgomery County courts
- ✅ Dismissals, settlements, and judgment relief
- ✅ Respectful, honest, and client-focused service
What to Do Now – Take Control of Your Case
If you’ve been sued or received court papers, you’re on a short timeline. The worst thing you can do is wait. The earlier you call, the more options you’ll have.
Here’s what to do now:
Let us handle the legal work while you regain peace of mind
Gather any documents you’ve received
Call or message Texas Debt Law for a free case review
Don’t Wait — Deadlines Are Critical
Once you’re served with a debt lawsuit, you may have only days to act. Letting the deadline pass can severely limit your options and lead to a judgment. The sooner we get involved, the more we can do to help.