Moss Law Firm, P.C. is a Lubbock-based law firm that describes itself as a consumer collections firm serving all of Texas. A letter or lawsuit from it means a creditor has hired the firm to collect a consumer account.
- Type
- Collection law firm
- Also known as
- Moss Law Firm
- Headquarters
- Lubbock, TX
- Phone numbers it lists
- (888) 607-7228
- Website
- mosslawfirmpc.com
53 debt collection complaints were sent to the Consumer Financial Protection Bureau about Moss Law Firm, P.C. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Moss Law Firm?
Moss Law Firm, P.C. is a Texas law firm that calls itself a consumer collections firm serving the entire state. Its Better Business Bureau business profile lists an office at 5110 80th Street in Lubbock, gives a start date of January 2007, and names Michael A. Moss as president. The firm's website lists a toll-free number of (888) 607-7228 (TTY 711), takes payments through an online portal, and states that its communications are from a debt collector.
Unlike many collection firms that cover several states, Moss Law Firm's practice, as it describes it, is focused on Texas. If it sues, expect the case to be in a Texas court, most likely in your county; smaller consumer debt claims in Texas are commonly filed in justice court.
Why Moss Law Firm May Be Contacting You
The firm doesn't list its clients on its website. A collection law firm is normally hired by a credit card issuer, bank, lender or debt buyer after an account has been charged off. A letter from Moss Law Firm may be a demand before suit, a settlement offer, or a notice connected to a case it has already filed. If a constable or process server handed you a citation and petition, the lawsuit has started and you have a short deadline to answer. Our guide to being sued by Moss Law Firm in Texas explains the process.
How to Check a Debt Moss Law Firm Says You Owe
- Answer any lawsuit on time. In a Texas justice court case, the answer is generally due by the end of the 14th day after you were served. Use our answer deadline calculator. A dispute letter doesn't stop that clock.
- Send a written dispute within the validation period. The firm's validation notice must identify the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Ask for the account agreement, the charge-off statement and recent statements.
- Find out who the plaintiff is. If the client is a debt buyer, ask for the documents showing it bought your specific account.
- Check the balance against your statements. Interest or fees added after charge-off must be allowed by your agreement or by law.
- Look at the date of default. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004). Debt buyers may not sue on time-barred consumer debts, and a payment doesn't revive them (Tex. Fin. Code § 392.307). See our note on time-barred debt.
What Moss Law Firm Can and Can't Do
Attorneys who regularly collect consumer debts are debt collectors under the FDCPA, even when their collection takes the form of lawsuits (Heintz v. Jenkins, 514 U.S. 291 (1995)). As a Texas firm collecting consumer debts, Moss Law Firm is also subject to the Texas Debt Collection Act (Tex. Fin. Code ch. 392). It:
- Must file a consumer debt suit in the county where you live or where you signed the contract (15 U.S.C. § 1692i).
- May not misrepresent the character, amount or legal status of the debt (15 U.S.C. § 1692e(2)(A); Tex. Fin. Code § 392.304(a)(8)).
- Cannot garnish your wages for an ordinary consumer debt in Texas (Tex. Const. art. XVI, § 28).
- May not contact you directly about the debt once it knows a lawyer represents you on it (15 U.S.C. § 1692c(a)(2)).
We did not find a CFPB enforcement action against Moss Law Firm. See also what to do first if you're sued and our FDCPA attorneys page.
Being sued by Moss Law Firm, P.C.? Read our full lawsuit guide →
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Moss Law Firm, P.C. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Moss Law Firm: home page
- BBB business profile: Moss Law Firm, P.C. (facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Moss Law Firm, P.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Moss Law Firm, P.C. has violated any law. Company details change; tell us if something here is out of date.