Affordable Legal Defense for Debt Lawsuits in Nueces County
Have you been sued for a debt in Corpus Christi, Texas? Whether it’s a credit card, personal loan, medical bill, or old collection account, receiving a lawsuit is serious—but it doesn’t mean you’ve lost. With the right legal help, you may be able to get the case dismissed, settle it for far less, or stop a default judgment before it harms your finances.
At Texas Debt Law, we provide flat-fee, experienced legal defense for Nueces County residents facing debt lawsuits. Our attorneys help you respond on time, appear in court, and push back against creditors who can’t prove their case.
Free Case Evaluation
(210) 964-5556
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 Corpus Christi residents are sued not by their original creditors, but by third-party debt buyers. These companies purchase “charged-off” accounts from lenders and file thousands of lawsuits across Texas hoping consumers won’t respond.
Common debt buyers filing lawsuits in Corpus Christi:
- Midland Credit Management / Midland Funding
- LVNV Funding
- Cavalry SPV I, LLC
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR, LLC
These companies are typically represented by large collection law firms that rely on default judgments—meaning they win because most people don’t answer the lawsuit in time.
You Only Have 14 Days – Don’t Ignore the Lawsuit
In Texas, you have 14 days from the date you’re served to file an Answer with the court. If you miss the deadline, the court may enter a default judgment against you.
A judgment gives the creditor the power to:
- Freeze your bank accounts
- File liens on your property
- Add interest, attorney fees, and collection costs
- Hurt your credit for up to 10 years
At Texas Debt Law, we help Corpus Christi clients respond quickly to lawsuits, protect their money, and build a strong defense.
Where Are Debt Cases Filed in Corpus Christi?
Debt lawsuits in Corpus Christi are typically filed in:
Nueces County Justice of the Peace Courts:
- JP Precinct 1, Place 1 – Downtown Corpus Christi
- JP Precinct 2, Place 1 or 2 – North and South areas
Nueces County Courts at Law:
- For cases involving larger balances or more complex issues
We have experience appearing in these courts and understand the local procedures, judges, and filing deadlines specific to Nueces County.
Legal Defenses to Debt Collection Lawsuits
Debt buyers often file lawsuits without the paperwork needed to win. Our attorneys evaluate your case and assert the strongest possible defenses, including:
📄 No Proof of Ownership
If the plaintiff can’t prove they bought your debt legally and show documentation, we push for dismissal.
⌛ Statute of Limitations
Texas law gives creditors 4 years to file a lawsuit after default. If the case is too old, we may get it dismissed.
❌ Identity Errors
You may be sued for a debt that isn’t yours—especially if you have a common name or shared address history.
💵 Inflated Balances
We challenge cases that include unauthorized fees, interest, or inaccurate balance calculations.
📑 No Contract or Incomplete Records
If the plaintiff can’t show a contract, billing history, or payment details, we argue the case is not legally enforceable.
What Texas Debt Law Does for Corpus Christi Clients
We’re not a debt settlement company. We’re a Texas-based law firm that fights debt lawsuits in court. Our focus is simple: help everyday Texans respond to lawsuits, avoid default judgments, and resolve their cases the right way.
We help with:
✅ Lawsuit Response
We file your Answer with the court—on time and with the right legal language.
✅ Court Representation
Our attorneys handle all hearings, motions, and negotiations. We appear on your behalf when possible.
✅ Settlement Negotiations
If dismissal isn’t likely, we negotiate reduced settlements—often saving clients 50%–80% off the claimed balance.
✅ Vacating Judgments
If you’ve already lost a case, we may be able to reopen it and defend you—especially if you were never properly served.
✅ Flat-Fee Pricing
We charge a flat, affordable rate. No hourly billing, no hidden costs, and payment plans available.
Real Results in Corpus Christi & Nueces County
Here are some recent outcomes we’ve achieved for clients in the Corpus Christi area:
- $9,800 lawsuit dismissed due to missing chain-of-title documentation
- $14,000 credit card debt settled for $3,200 with 0% interest
- Default judgment vacated after proving improper service
- Emergency motion filed to stop bank account freeze within 24 hours
Each case is different—but our team fights for every client like it’s our own name on the lawsuit.
Corpus Christi Debt Lawsuit FAQs
Can they take money from my paycheck?
No. Texas law prohibits wage garnishment for most consumer debts. But if a judgment is entered, the creditor can freeze your bank account and seize funds.
What happens if I just ignore the lawsuit?
You’ll almost certainly lose by default. That judgment can follow you for 10+ years, grow with interest, and lead to frozen assets.
Is it too late if I already lost?
Maybe not. If you weren’t properly served or have a valid defense, we may be able to file a Motion to Vacate and reopen the case.
I know I owe the debt—should I still hire an attorney?
Yes. Even if the debt is legitimate, we can challenge inflated amounts, negotiate a better settlement, or stop a judgment from happening.
Why Corpus Christi Residents Choose Texas Debt Law
We’ve built our reputation by protecting consumers from abusive lawsuits and helping Texans navigate the legal system with honesty and confidence. Clients in Corpus Christi choose us because:
✅ We don’t judge—we help
✅ We offer flat, affordable pricing
✅ We provide fast response times
✅ We know Nueces County courts
✅ We’re honest, strategic, and aggressive in defense