Protection Against Collection Lawsuits in Harris County
Are you facing a debt lawsuit in Cypress, Texas? Have you been sued by a creditor or collection agency and don’t know what to do next? Whether it’s a credit card balance, personal loan, medical debt, or an old car loan deficiency, the situation is serious—but you still have options.
At Texas Debt Law, we help individuals and families in Cypress and Northwest Harris County fight back against debt collection lawsuits. From filing your legal response to defending you in court or negotiating favorable settlements, our goal is to protect your rights, your finances, and your future.
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.
Debt Collection Lawsuits Are Common in Cypress
Many consumers in Cypress are surprised when they receive a Citation and Petition notifying them of a lawsuit. In many cases, it’s not even the original lender suing you—it’s a third-party debt buyer who purchased your account for pennies on the dollar.
The most common debt buyers suing Cypress residents include:
- Midland Credit Management
- LVNV Funding
- Cavalry SPV I
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR
These companies use high-volume law firms to file hundreds of lawsuits per week. Their goal? Get a default judgment because most consumers don’t know how—or when—to respond.
You Have 14 Days to Respond – Don’t Wait
In Texas, once you’re served with a lawsuit, you typically have only 14 days to file a formal Answer with the court. If you don’t respond in time, the creditor can automatically win the case.
A default judgment gives the creditor the power to:
- Freeze your bank accounts
- File liens on your non-exempt property
- Collect post-judgment interest for years
- Damage your credit
Our Cypress debt defense attorneys act quickly to file your Answer, stop default judgments, and build a defense strategy that protects your legal and financial future.
Where Debt Cases Are Filed in Cypress
Cypress is part of Harris County, and debt lawsuits are commonly filed in:
Harris County Justice of the Peace Courts:
- JP Precinct 5, Place 2 (serving much of Cypress and northwest Houston)
- JP Precinct 4 (also covers some parts of the Cypress area)
Larger debt claims (typically over $20,000) may be filed in Harris County Civil Court at Law or District Court in downtown Houston.
At Texas Debt Law, we routinely appear in all Harris County courts and understand the local rules, judges, and procedures specific to Cypress-area cases.
Legal Defenses We Use in Cypress Debt Lawsuits
Many debt collection lawsuits are legally weak or procedurally flawed. Our job is to examine the evidence, hold the creditor accountable, and assert every available defense. Common legal defenses include:
📑 Lack of Ownership Proof
Debt buyers must prove they legally own your specific account. Many fail to provide valid documentation.
⌛ Statute of Limitations
Texas has a 4-year statute of limitations on most consumer debt lawsuits. If the creditor sues too late, we move to dismiss.
❌ Identity Errors
Sometimes the lawsuit is against the wrong person—due to a name match or data entry mistake.
💵 Inflated Amounts
We regularly challenge lawsuits where the claimed balance includes unlawful fees or excessive interest.
📄 No Signed Contract
If the creditor cannot produce a signed agreement or billing history, their case may collapse in court.
What Texas Debt Law Does for Cypress Clients
We’re not a debt settlement company. We’re a real Texas law firm that defends real people in court. We don’t promise to “make debt go away”—we actually show up in court, file legal documents, and fight for your rights.
Here’s how we help:
✅ File Your Legal Answer
We make sure your response to the lawsuit is filed correctly and on time to avoid default judgment.
✅ Represent You in Court
Our attorneys handle everything from hearings to trial. You won’t have to deal with the opposing law firm alone.
✅ Negotiate Settlements
If a case can’t be dismissed, we negotiate favorable settlements—often for 30–70% less than what’s claimed.
✅ Reverse Default Judgments
Already lost the case? We may be able to reopen it and defend you—especially if you weren’t properly served.
✅ Flat-Fee Legal Defense
We charge flat rates—no hourly billing, no hidden fees. Payment plans are available.
Cypress Debt Defense Case Results
Here are some real outcomes for clients in the Cypress and greater Harris County area:
- $8,900 lawsuit dismissed due to lack of contract documentation
- $11,000 debt settled for $2,750 with 0% interest over 10 months
- Bank account garnishment reversed and funds refunded
- Default judgment vacated after client showed improper service
Every case is unique, but our focus remains the same: keep money in your pocket and protect your credit.
Frequently Asked Questions – Cypress Debt Lawsuits
Can my wages be garnished in Texas?
No. Texas generally prohibits wage garnishment for consumer debt. However, creditors can still seize funds from your bank account once they have a judgment.
What if I know I owe the debt?
Even if you owe something, that doesn’t mean the lawsuit is valid—or that the amount is correct. We may be able to get the case dismissed or reduce the balance through negotiation.
Do I have to go to court?
In many Justice Courts, we can appear for you. If your personal appearance is required, we’ll walk you through everything and stand by your side.
What happens if I already have a judgment?
We may be able to file a Motion to Vacate the judgment if you were never properly served or if a legal defense exists.
Why Cypress Residents Trust Texas Debt Law
We’ve built a reputation across Texas by defending consumers, not judging them. People in Cypress choose us because:
- ✅ We offer flat-fee, affordable pricing
- ✅ We act fast and communicate clearly
- ✅ We’re experienced in Harris County courts
- ✅ We deliver real results: dismissals, settlements, and judgment relief
- ✅ We fight hard—and treat you with respect
Take Action Today – Protect Your Rights
Being sued doesn’t mean you’re guilty. With legal help, you can challenge the lawsuit, protect your bank account, and avoid long-term financial damage.
If you’ve been sued in Cypress, don’t wait—let Texas Debt Law defend you the right way.
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.