Your Trusted Dallas Debt Defense Attorneys Against Credit Card Lawsuits, Debt Buyers, and Collection Agencies
If you’re facing a debt lawsuit or dealing with aggressive collectors in Dallas, you are not alone — and you have legal options. At Texas Debt Law, our experienced Dallas Debt Attorneys provide aggressive, smart, and strategic legal defense for people being sued over credit cards, loans, and collections.
We defend individuals across Dallas-Fort Worth who are being harassed, threatened, or sued for unpaid debts. Whether you’ve received a court summons or are overwhelmed by constant collection calls, our team is here to fight for you.
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(469) 589-5600
Why Am I Being Sued for Debt in Dallas?
Debt lawsuits are a growing problem in North Texas. You may be sued by:
- A credit card company like Capital One, Discover, or American Express
- A debt buyer like Midland Funding, Portfolio Recovery Associates, or LVNV Funding
- A collection agency or lender over a personal loan, car note, or medical bill
These lawsuits often rely on generic documentation, outdated balances, or improper procedures. Many are filed in Dallas County Justice of the Peace courts — and many result in default judgments simply because the consumer didn’t respond in time.
At Texas Debt Law, we don’t let debt collectors win by default. We defend your rights, expose weaknesses in their case, and work to dismiss or settle the lawsuit on favorable terms.
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.
What Happens If I Ignore a Debt Lawsuit?
If you fail to respond by the deadline — usually 14 days in JP Court or 20 days in County/District Court — the creditor can win by default. This allows them to:
- Get a judgment against you
- Freeze your bank accounts
- Place liens on your property
- Damage your credit report
- Collect through aggressive means
Even if the debt is invalid, overstated, or unenforceable — ignoring the lawsuit gives the creditor the upper hand.
Let our Dallas debt attorneys protect you before it’s too late.
Our Process: How Texas Debt Law Helps You
When you hire Texas Debt Law, you get a team that moves fast and fights hard. Here’s how we help:
1. Immediate Legal Protection
We stop the bleeding immediately by:
- Filing an Answer to avoid default judgment
- Contacting the opposing attorney
- Reviewing the lawsuit for legal errors and violations
2. Strategic Legal Defense
Every case is different. We explore all viable defenses, including:
- Statute of limitations has expired
- Plaintiff lacks standing to sue
- The balance is inflated or incorrect
- No proof of assignment of debt
- The lawsuit is based on incomplete records or generic affidavits
If they can’t prove their case, we’ll push for a dismissal.
3. Discovery and Evidence Attacks
Debt buyers often don’t have the evidence they need. We file discovery requests and motions to force them to prove:
- The original contract
- Payment history
- Assignment of debt
- Chain of title
Their weak paperwork can be your strongest defense.
4. Settlement Negotiation
If appropriate, we’ll negotiate a reduced settlement, often for pennies on the dollar. We may be able to:
- Settle for 30%–50% off the amount claimed
- Set up no-interest payment plans
- Include credit repair language in the agreement
- Secure a dismissal with prejudice (so they can’t sue again)
5. Counterclaims for Violations
If the collector broke the law, we’ll pursue counterclaims or separate lawsuits under:
- Fair Debt Collection Practices Act (FDCPA)
- Texas Debt Collection Act
- Fair Credit Reporting Act (FCRA)
You may be entitled to damages — and we can use violations to get your lawsuit dropped. This is a separate service which requires a separate attorney engagement agreement and may not apply to your case.
Common Creditors and Collectors We Fight in Dallas
We regularly defend clients against:
- Midland Credit Management
- Portfolio Recovery Associates
- LVNV Funding
- Jefferson Capital Systems
- Cavalry SPV
- Synchrony Bank
- Capital One
- American Express
- Discover Bank
- Resurgent Capital Services
These companies know our firm. They know we won’t back down — and that gives you leverage.
What If I Already Have a Judgment Against Me?
Even if a creditor already won a case against you, we may still be able to help. Our Dallas debt attorneys can:
- File a Motion to Vacate a Default Judgment (if still timely)
- Challenge garnishment or bank levy efforts
- Help settle or discharge the judgment
- Pursue creditor violations for compensation
- Bankruptcy
Act fast — time is limited to challenge or overturn judgments in Texas.
Real Defenses. Real Results.
Here’s what makes Texas Debt Law different:
✅ Local Knowledge – We know how debt lawsuits work in Dallas County courts
✅ Affordable Flat Fees – Predictable, transparent pricing
✅ Aggressive Legal Strategy – We don’t roll over or settle cheap
✅ Proven Results – Dismissals. Reduced settlements. Credit repair.
✅ Compassionate Counsel – We treat clients with dignity and respect
We believe debt should not define your future. Our attorneys fight to restore balance and give you a second chance.
Debt Defense in Dallas Justice Courts
Many Dallas residents are sued in Justice of the Peace courts, which handle smaller lawsuits (typically under $20,000). These courts move fast — and have rules that are more informal than district courts.
We handle JP Court debt defense across:
- Dallas County Precinct 1 – Place 1 (Downtown Dallas)
- Dallas County Precinct 2 – Place 1 (Garland)
- Dallas County Precinct 3 – Place 1 (Grand Prairie/Irving)
- Dallas County Precinct 4 – Place 1 (Oak Cliff)
- Collin County JP Courts
- Denton and Tarrant County JP Courts
If you were served with a lawsuit in a JP Court — call us immediately. You may have less than 2 weeks to respond.
Serving Dallas-Fort Worth Metroplex Residents
We represent clients in:
- Dallas
- Irving
- Mesquite
- Garland
- Grand Prairie
- Carrollton
- Plano
- Richardson
- Duncanville
- Farmers Branch
- Addison
- Cedar Hill
- and beyond