Texas Debt Lawsuit Questions, Answered
119 short answers about being sued for debt in Texas, each with the law behind it. General information, not legal advice for your case.
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Being sued and served
What should I do first if I'm sued for a debt in Texas?
Find your answer deadline and don't miss it. Read the citation to see which court you're in and when you were served, keep every page, and file a written Answer before the deadline. Ignoring the lawsuit almost always leads to a default judgment.
What is a citation in a Texas debt lawsuit?
The citation is the court's official notice that you've been sued. It names the court, the plaintiff and the case number, and it tells you how long you have to file an Answer. It's served with the plaintiff's petition, which explains what they claim you owe.
What is a petition in a debt case?
The petition is the plaintiff's written claim. It says who is suing, what account the debt comes from, how much they want, and why they say you owe it. Your Answer responds to the petition.
How do I know if I've really been sued or if it's a scam?
A real lawsuit has a cause number and a named court, and it is usually delivered by a constable, sheriff or private process server. You can confirm it by calling the court clerk or searching the county's court records with your name or the cause number. Don't rely on a phone number printed in the papers.
How are you served with a debt lawsuit in Texas?
Usually a constable, sheriff or private process server hands you the citation and petition, or they're sent by certified mail. If those attempts fail, the court can allow other methods, such as leaving the papers with someone 16 or older at your home, or in some cases by email or social media.
What if the papers were left with a family member?
Leaving the papers with another person counts only if the court authorized substituted service, usually on someone 16 or older at your home. If it wasn't authorized or was done wrong, service may be defective, which can matter later, especially for a default judgment. Your deadline still may be running, so act quickly.
Can I be sued for a debt I don't recognize?
Yes. Debt buyers often sue under their own names, such as Midland Funding or LVNV Funding, for accounts bought from the original lender, so the name may not look familiar. You still need to answer. Not recognizing the debt is a reason to make them prove it, not a reason to ignore the suit.
Who usually sues people for debt in Texas?
Credit card banks such as Capital One, Discover and Synchrony; debt buyers such as Midland, Portfolio Recovery Associates, LVNV, Cavalry and Jefferson Capital; and lenders on personal loans, auto deficiencies and payday or installment loans. Most hire collection law firms to file the cases.
Where can a creditor sue me in Texas?
For a consumer debt, Texas law lets a creditor sue only in the county where you actually signed the contract or the county where you live when the suit is filed. The federal FDCPA has a similar rule for debt collectors. A case filed in the wrong county can be challenged.
Can I be sued if I moved out of Texas?
A Texas creditor usually has to sue you where you live or where you signed the contract. If you now live in another state, a suit in Texas may be filed in the wrong place. Don't ignore it, though: venue and jurisdiction objections must be raised properly and on time.
Can I go to jail for not paying a debt in Texas?
No. The Texas Constitution says no one may be imprisoned for debt. But you must follow court orders: ignoring an order to appear or answer questions after a judgment can lead to contempt, which is a separate problem.
Answering the lawsuit and deadlines
How long do I have to answer a debt lawsuit in Texas?
In justice court, by the end of the 14th day after you were served. In county or district court, by 10:00 a.m. on the Monday after 20 days have passed since service. If a justice court deadline lands on a weekend or legal holiday, it moves to the next business day.
What is an Answer?
An Answer is the written response you file with the court to tell it you dispute the lawsuit. Filing one on time prevents a default judgment and requires the plaintiff to prove its case. It can include a general denial plus specific defenses.
What is a general denial?
A general denial is a short statement that you deny the plaintiff's claims and require them to prove each one. Texas allows it, and it makes the plaintiff prove its case. Some defenses, though, such as the statute of limitations, must be raised separately, and some matters must be denied under oath.
Which defenses have to be stated in the Answer?
Affirmative defenses, such as the statute of limitations, payment, or a prior settlement, should be stated in your Answer. Certain other denials, such as denying the plaintiff owns the account in some cases, may need a sworn (verified) denial. Leaving them out can mean losing them.
What is a verified (sworn) denial?
A denial signed under oath. Texas Rule 93 lists matters that must be denied under oath, and Rule 185 suits on a sworn account need a sworn denial to dispute the account. Whether one is needed depends on how the case is pleaded, so it's worth having a lawyer check.
How do I file an Answer in Texas?
You file it with the clerk of the court where you were sued, either in person, by mail, or electronically through eFileTexas. Include the cause number, sign it, and send a copy to the plaintiff's lawyer. Keep proof of filing.
Is there a filing fee to answer a debt lawsuit?
Answering usually doesn't require the same fee as filing a lawsuit, but courts may charge fees for some filings, such as a jury demand. If you can't afford court costs, you can file a Statement of Inability to Afford Payment of Court Costs.
What happens if I miss the answer deadline?
The plaintiff can ask for a default judgment. But if no judgment has been signed yet, you can usually still file an Answer, and the court must consider it. File immediately; don't assume it's too late.
Does calling the collector stop the deadline?
No. Only filing an Answer with the court protects you. Phone calls, letters or payment promises to the collector or its lawyer don't extend the court's deadline unless the court signs an order or the parties file an agreement.
Can I get more time to answer?
Sometimes the plaintiff's lawyer will agree to an extension, but get it in writing and filed with the court under Rule 11. Otherwise, the safest course is to file an Answer on time. You can add defenses later by amending.
Do I need a lawyer to answer a debt lawsuit?
No, you may represent yourself, and court self-help resources can help. But debt cases have traps, such as deadlines, sworn denials and requests for admissions, and a lawyer can often spot defenses that lead to dismissal or a better settlement.
Should I file a counterclaim?
Texas law allows some claims to be raised as counterclaims, but that isn't how we handle collector violations. If a collector broke the FDCPA or the Texas Debt Collection Act, we bring a separate lawsuit in federal court. You still need to answer the collection case on time; defending it is a separate matter.
Courts, hearings and trial
What is the difference between justice, county and district court?
Justice courts (justice of the peace) hear civil cases up to $20,000 under simpler rules. County courts at law and district courts hear larger cases under the full Texas Rules of Civil Procedure. The court affects your deadline, discovery and appeal rights.
What is a debt claim case in justice court?
A justice court case to collect a debt of $20,000 or less brought by an assignee (such as a debt buyer), a debt collector, a financial institution, or a lender. Rule 508 sets special rules, including what the petition must say and what proof is needed for a default judgment.
What is the most a justice court can award in a debt case?
Justice courts hear civil cases where the amount in controversy is $20,000 or less, not counting interest. Larger debt cases go to county or district court.
Can I have a jury in a debt case?
Yes. You can request a jury in justice, county and district court by making a timely written demand and paying the jury fee, unless you file a statement that you can't afford it. Deadlines for the demand vary by court.
Will I have to go to court?
Often not if you have a lawyer. Many debt cases are resolved through filings, negotiation or dismissal without your appearing. If there is a trial or certain hearings, you may need to attend or testify. Many Texas courts allow some hearings by video.
What is discovery in a debt case?
Discovery is the formal exchange of information: written questions, document requests and requests for admissions. In county and district court it's routine. In justice court, discovery needs the judge's approval.
What are requests for admissions, and why are they dangerous?
They're written statements the plaintiff asks you to admit or deny, such as 'You owe $4,512.' In county and district court, if you don't respond within 30 days after service, they can be deemed admitted, which can be enough for the plaintiff to win. Always respond on time.
What is a motion for summary judgment?
A request that the judge decide the case without a trial because the plaintiff says the evidence is undisputed. For motions filed since March 1, 2026, your written response and evidence are due 21 days after the motion is filed, not based on the hearing date. Debt buyers often use these motions.
What happens at trial in a debt case?
The plaintiff must prove the debt with admissible evidence, usually through a witness or business records. You can object to evidence, cross-examine witnesses, present your defenses, and testify. Many debt buyer cases are won or lost on whether their records are admissible.
Can I appeal a justice court judgment?
Yes. You can appeal to county court within 21 days after the judgment is signed (or after a motion to set aside or for new trial is denied) by posting a bond, cash deposit, or Statement of Inability. The case is tried over again from the start in county court.
Can I ask for an interpreter in court?
Yes. Texas courts can appoint an interpreter for a party who doesn't speak or understand English well. Ask the court clerk as early as possible. Our team also speaks Spanish.
Can a debt case be moved to arbitration?
Many credit card agreements include arbitration clauses. Either side may be able to ask the court to send the case to arbitration, which can change costs and procedures. Texas law also bars debt buyers from starting arbitration on time-barred consumer debt.
Defenses and the statute of limitations
What are common defenses to a debt lawsuit in Texas?
The statute of limitations; the plaintiff can't prove it owns the debt; the amount is wrong or includes improper fees; you already paid or settled; identity theft or it isn't your account; improper service or venue; and missing or inadmissible evidence.
What is the statute of limitations on debt in Texas?
Generally four years. Texas law requires a suit on a debt to be brought within four years after the claim accrues, which for most consumer accounts is when you defaulted. After that, the claim is time-barred, but limitations is a defense you must raise.
When does the four-year clock start?
When the cause of action accrues, which for most credit cards and loans is when you defaulted, usually the missed payment you never caught up on. Charge-off and sale dates don't restart it. The exact date can be disputed, so look at your records.
Can a debt buyer sue me on a time-barred debt in Texas?
No. Since 2019, Texas law bars debt buyers from suing or starting arbitration on consumer debt after the limitations period has run. Federal Regulation F also bars debt collectors from suing or threatening to sue on time-barred debt.
Does making a payment restart the statute of limitations?
For debt buyers, no: Texas law says a payment or a written or oral reaffirmation doesn't revive a time-barred consumer debt they own. For other creditors, a signed written acknowledgment of the debt can matter, so be careful what you sign.
What if I'm sued on a time-barred debt anyway?
Raise limitations in your Answer; it's a defense you must plead. Suing on a time-barred debt can also violate the FDCPA, Regulation F and the Texas Debt Collection Act, which may support a separate claim against the collector.
What does 'lack of standing' mean in a debt buyer case?
A debt buyer must prove it owns your specific account. If it can't show a clear chain of assignment from the original lender to itself that identifies your account, it may not be able to win. Generic bills of sale without account details are a common weak point.
What is a business records affidavit?
A sworn statement used to get business records into evidence without a live witness. Debt buyers often use affidavits from their own employees about records created by the original bank. Whether those records are admissible can be challenged.
What is a suit on a sworn account?
A Texas procedure (Rule 185) that lets a plaintiff prove certain accounts by affidavit unless the defendant files a sworn denial. Texas courts have generally said credit card debt isn't a traditional sworn account, but plaintiffs still plead it, so the Answer should address it.
What if the amount they're suing for is wrong?
Dispute it. Ask for the statements that show how the balance was calculated. Interest and fees must be allowed by your agreement and the law, and collectors can't add amounts not authorized by the contract or law.
What if the debt came from identity theft?
Say so in your Answer and gather proof: a police or FTC identity theft report, account records, and anything showing you didn't open or use the account. You aren't responsible for debts someone else opened in your name.
Can a debt lawsuit be dismissed?
Yes. Cases are dismissed when the plaintiff can't prove its case, misses deadlines, sues on time-barred debt, fails to appear, or agrees to dismiss as part of a settlement. A dismissal 'with prejudice' means they can't sue on that debt again.
What is the difference between dismissal with and without prejudice?
With prejudice, the case is over for good and can't be refiled. Without prejudice (often called a nonsuit), the plaintiff can refile later if limitations hasn't run. In settlements, ask for dismissal with prejudice.
Debt buyers and collection agencies
What is a debt buyer?
A company that buys charged-off accounts, often for a small fraction of the balance, and then collects or sues on them. Texas law defines debt buyers and limits their lawsuits on old debt.
Why is a company I've never heard of suing me?
Your account was likely sold. After a lender charges off an account, it may sell it to a debt buyer, which then sues in its own name. The petition should identify the original creditor.
Is Midland Credit Management legit?
Yes. Midland is a large, legitimate debt buyer, and Midland Funding often appears as the plaintiff in Texas lawsuits. Being legitimate doesn't mean every claim is valid: it still has to prove it owns your account and the amount owed.
Is Portfolio Recovery Associates a real company?
Yes. PRA is a major debt buyer that files many lawsuits in Texas. Like any plaintiff, it must prove ownership and the balance, and it must follow debt collection laws.
Is LVNV Funding a real company?
Yes. LVNV Funding is a debt buyer; its accounts are often serviced by Resurgent Capital Services. Lawsuits are typically filed by a collection law firm in LVNV's name.
What's the difference between the original creditor and a debt collector?
The original creditor is the lender you dealt with, such as a credit card bank. A debt collector collects debts owed to others, and debt buyers are usually treated as debt collectors too. The FDCPA mainly covers debt collectors, while the Texas Debt Collection Act also reaches creditors.
Do collection agencies have to be licensed in Texas?
Texas requires third-party debt collectors and credit bureaus to file a surety bond with the Texas Secretary of State before collecting in Texas. A collector that hasn't done so may be violating the Texas Debt Collection Act.
Can the collection law firm also be a debt collector?
Yes. Lawyers who regularly collect consumer debts, including by filing lawsuits, can be debt collectors under the FDCPA. They must follow its rules, such as not misrepresenting the amount or legal status of a debt.
What is zombie debt?
Old debt, often past the statute of limitations, that a buyer tries to collect years later. In Texas, debt buyers can't sue on time-barred consumer debt, and a payment doesn't revive it, but they may still ask you to pay voluntarily.
Your rights against collectors
What is the Fair Debt Collection Practices Act?
A federal law that bans abusive, deceptive and unfair practices by debt collectors. It limits calls, requires a validation notice, lets you dispute the debt, and gives you the right to sue for violations.
What is the Texas Debt Collection Act?
Texas's own debt collection law, in Finance Code chapter 392. It applies to creditors as well as collectors and prohibits threats, harassment, misrepresentations and unfair practices. It lets consumers sue for damages and attorney's fees.
What is a debt validation notice?
A notice a debt collector must send within five days after first contacting you. It states the amount, the creditor, and your right to dispute the debt within 30 days. Regulation F sets out what it must include and offers a model form.
How do I dispute a debt with a collector?
Send a written dispute within the 30-day validation period, keep a copy and proof of mailing, and ask for verification. If you dispute in writing on time, the collector must stop collecting until it sends verification.
Can I tell a debt collector to stop calling?
Yes. If you tell a collector in writing that you refuse to pay or want it to stop contacting you, it must stop, except to confirm it's stopping or to say it may take a specific action such as filing suit.
What times can debt collectors call?
Generally only between 8 a.m. and 9 p.m. your local time, unless you agree otherwise. They also can't call your workplace if they know your employer doesn't allow it.
How many times can a debt collector call me?
Regulation F presumes a collector is harassing you if it calls more than seven times in seven days about a debt, or within seven days after a phone conversation about it. Fewer calls can still be harassment depending on the circumstances.
Can a collector contact my family or employer?
Collectors can contact others only to find your location, and generally can't tell them you owe a debt. Telling your boss, coworkers or relatives about your debt can violate the FDCPA.
Can debt collectors text or email me?
Yes, under Regulation F, but they must follow rules: they need a way for you to opt out, and they can't send messages to a work email or at inconvenient times. You can ask them to stop using a particular method.
What can I recover if a collector violates the FDCPA?
Your actual damages, statutory damages of up to $1,000 per lawsuit, and your attorney's fees and court costs. The Texas Debt Collection Act provides its own remedies, including actual damages and attorney's fees.
How long do I have to sue a collector under the FDCPA?
One year from the date of the violation. Claims under the Texas Debt Collection Act may have a different deadline, so act promptly and keep records of calls, letters and messages.
Can a collector threaten to sue me?
Only if it actually intends to and is legally able to sue. Threatening a lawsuit it won't file, or one on time-barred debt, can violate the FDCPA, Regulation F and Texas law.
Can a collector threaten arrest or jail?
No. Texas doesn't jail people for unpaid debt, and threatening arrest or criminal charges for nonpayment is prohibited by both the FDCPA and the Texas Debt Collection Act.
Can a collector add fees to my debt?
Only fees expressly allowed by your agreement or by law. Adding unauthorized interest, collection fees or 'convenience' charges can violate the FDCPA and the Texas Debt Collection Act.
Default judgments and judgments
What is a default judgment?
A judgment entered against you because you didn't file an Answer or didn't show up. The court can award the plaintiff what it asked for without hearing your side. In justice court debt claim cases, the plaintiff still has to provide certain proof first.
Can a default judgment be set aside in Texas?
Often, if you act fast. In justice court you generally have 14 days after the judgment is signed to ask to set it aside or for a new trial. In county and district court, a motion for new trial is due within 30 days. Later options exist but are harder.
What do I need to show to undo a default judgment?
Generally, that missing the deadline wasn't intentional or the result of conscious indifference, that you have a real defense, and that a new trial won't unfairly harm the plaintiff. If you were never properly served, that can be grounds by itself.
What if I find out about a judgment months later?
If you didn't take part in the case, you may be able to file a restricted appeal within six months after the judgment was signed. After that, a bill of review may be possible in limited situations, such as defective service. Time matters.
How long does a judgment last in Texas?
A judgment becomes dormant if the creditor doesn't issue a writ of execution within 10 years (or within 10 years of the last writ). A dormant judgment can be revived within two years. So a judgment can last much longer than 10 years if the creditor keeps it active.
Does a judgment earn interest in Texas?
Yes. A judgment on a contract that provides for interest earns the contract rate, up to 18% a year. Other judgments earn a rate based on the prime rate, between 5% and 15% a year.
What can a creditor do after it gets a judgment?
It can try to collect from non-exempt property: garnish bank accounts, record an abstract of judgment to create a lien on non-exempt real estate, seek a turnover order or receiver, and ask you questions about your assets.
Do I have to answer questions about my assets after a judgment?
The creditor can serve post-judgment discovery asking about your property and income, and you must respond. Ignoring court orders can lead to contempt. Many of your assets may be exempt, and a lawyer can help you claim exemptions.
Can I settle after a judgment is entered?
Yes. Judgment creditors often accept reduced lump sums or payment plans, especially when most of your property is exempt. Get the agreement in writing and make sure the creditor files a release of judgment when you finish paying.
What is a release of judgment?
A document the creditor signs and files showing the judgment is paid or settled. It clears any judgment lien from property records. Always get one after you pay a judgment.
Garnishment, liens and protected property
Can a creditor garnish my wages in Texas?
Not for ordinary consumer debt. The Texas Constitution prohibits garnishing current wages except for court-ordered child support and spousal maintenance. Federal agencies can garnish for some federal debts, such as federal student loans and taxes.
Can a creditor garnish my bank account in Texas?
Yes, after a judgment a creditor can garnish money in your bank account. Some funds are protected: directly deposited Social Security and other federal benefits get automatic protection, and you can claim exemptions for other exempt funds.
Can they take my Social Security?
No for ordinary debts. Federal law protects Social Security, SSI and VA benefits from garnishment by private creditors, and banks must automatically protect two months of directly deposited federal benefits.
Can they take my house?
Generally not. Texas's homestead protection shields your home from most creditors: up to 10 acres in a city or town, or 100 acres (200 for a family) in rural areas, regardless of value. A judgment lien doesn't attach to your homestead.
Can they take my car?
Usually not. Texas exempts one vehicle for each licensed driver in the household (or a non-driver who relies on someone else to drive) as part of the personal property exemption, up to $50,000 for a single adult or $100,000 for a family.
What personal property is protected in Texas?
Home furnishings, clothing, a vehicle per driver, tools of your trade, two firearms, sporting equipment, some livestock and pets, and jewelry up to a limit, all within a total value of $50,000 for a single adult or $100,000 for a family.
Is my retirement account protected?
Generally yes. Texas exempts qualified retirement accounts such as 401(k)s, IRAs and pensions, along with certain health and education savings plans, separately from the personal property limit.
Are life insurance and annuities protected?
Generally yes. Texas law protects the cash value of life insurance and annuity benefits from most creditors, with some exceptions.
What is an abstract of judgment?
A summary of a judgment recorded in county property records. It creates a lien on the debtor's non-exempt real estate in that county for 10 years, unless the judgment becomes dormant first. It doesn't attach to a homestead.
What is a turnover order?
A court order requiring a judgment debtor to turn over non-exempt property, or appointing a receiver to collect it. It can't be used to take property that's exempt under Texas law.
Can a creditor freeze my account before a judgment?
Pre-judgment garnishment exists in Texas but is rare in consumer cases and requires a court order and a bond. In nearly all debt cases, bank garnishment happens only after a judgment.
Settling and paying
Can I settle a debt lawsuit?
Yes, and many are settled. Plaintiffs often accept a reduced lump sum or a payment plan, especially when they face defenses or proof problems. A settlement should end with a dismissal with prejudice.
How much will a debt buyer settle for?
It varies with the age of the debt, the evidence and your defenses, so there is no standard percentage. Debt buyers usually paid much less than face value, which can give room to negotiate. We don't promise any particular result.
Should I agree to an agreed judgment?
Be careful. An agreed judgment gives the plaintiff a court judgment it can enforce if you miss a payment. A settlement that ends in dismissal, or a judgment that's held and released after payment, may be safer. Read the terms closely.
What should a settlement agreement include?
The amount and payment dates, what happens if a payment is late, the plaintiff's promise to dismiss with prejudice, how the account will be reported, and that the debt is resolved in full. Get it in writing before you pay.
Can I set up a payment plan with the plaintiff?
Often, yes. Make sure the plan is in writing, filed with the court or reflected in an agreement, and that the case is dismissed when you finish. Ask what happens if a payment is late.
Should I pay the collector before I answer?
Not before you understand your defenses and your deadline is protected. A payment doesn't stop the lawsuit unless there's a written agreement. File your Answer first; you can still settle afterward.
Can bankruptcy stop a debt lawsuit?
Yes. Filing bankruptcy triggers an automatic stay that generally stops lawsuits and collection right away. It has long-term effects, so it's worth comparing it with defending or settling the case.
Credit reports, taxes and family
Will a debt lawsuit show up on my credit report?
The lawsuit itself generally doesn't appear on reports from the three major credit bureaus, which stopped reporting civil judgments in 2017. The account, collection or charge-off can still be reported.
How long can a collection stay on my credit report?
Generally seven years. For collections and charge-offs, the period starts 180 days after the delinquency began, so about seven and a half years from the first missed payment. Paying or being sued doesn't restart it.
Is settled debt taxable?
It can be. If a creditor cancels $600 or more, it may send a Form 1099-C, and canceled debt is often taxable income. Exceptions apply, such as insolvency. Talk to a tax professional.
Am I responsible for my spouse's debts in Texas?
Generally not personally, unless you co-signed, your spouse acted as your agent, or the debt was for necessaries. But some community property may be reachable for your spouse's debts.
Do I have to pay a deceased relative's debts?
Generally no, unless you co-signed or are otherwise liable. Debts are usually paid from the deceased person's estate. Collectors can contact the estate's representative but can't make you pay from your own money.
Can I be sued for a car deficiency after repossession?
Yes. If a repossessed car sells for less than you owe, the lender can sue for the difference. But it must give proper notice and sell the car in a commercially reasonable way, and failures can reduce or eliminate the deficiency.
Can I be sued over medical bills in Texas?
Yes. Medical providers and collectors can sue like other creditors, and the same defenses, deadlines and exemptions apply. Check bills carefully for insurance errors and charges you didn't owe.
Can a payday or installment lender sue me?
Yes. Payday and installment lenders can sue for unpaid loans. They can't have you arrested or threaten criminal charges for a returned payment on the loan, and they must follow collection laws.
Business debt
Can my business be sued for a debt in Texas?
Yes. Vendors, lenders, landlords and merchant cash advance companies sue businesses for unpaid invoices, loans and leases. The business must answer by the deadline, and an LLC or corporation generally needs a lawyer to appear in county or district court.
Am I personally liable for my business's debts?
Usually not if the business is a properly maintained LLC or corporation, unless you signed a personal guarantee. Owners of sole proprietorships and general partnerships are personally liable.
What is a personal guarantee?
A promise to pay a business debt yourself if the business doesn't. Many loans, leases and credit lines require one. If you signed it, the creditor can sue you personally along with the business.
Do the FDCPA and Texas Debt Collection Act protect businesses?
Mostly no. Both laws cover consumer debts, meaning debts for personal, family or household purposes. Business debt cases rely on contract law and the rules of civil procedure.
Working with Texas Debt Law
How much does Texas Debt Law charge to defend a debt lawsuit?
We charge flat fees based on the amount of the lawsuit, starting at $400 for suits under $1,000, with payment plans. Use our fee calculator or pricing table for your amount.
What does the flat fee include?
Filing an Answer, defending the lawsuit, and negotiating to reduce or dismiss the debt. We'll explain at the start what your fee covers and what, if anything, would cost extra.
Do you offer payment plans?
Yes. Depending on the fee, you can pay over up to two to six months. The pricing page lists the plan for each fee.
Is the case review free?
Yes. We review your lawsuit papers, explain your options and the deadline, and tell you what we'd charge, at no cost and with no obligation.
Do you handle cases across Texas?
Yes. We defend debt lawsuits in courts across Texas, from Dallas–Fort Worth and Houston to Austin, San Antonio, El Paso, the Panhandle and the Rio Grande Valley.
¿Hablan español?
Sí. Nuestro equipo habla español y tenemos páginas en español. Llame o escriba al (214) 945-0000 para una revisión gratuita de su caso.
Can you guarantee my case will be dismissed?
No lawyer can guarantee a result. We've had hundreds of debt lawsuits dismissed and many settled for less, but every case depends on its facts, the evidence and the court.
What should I send you for a case review?
The citation and petition, any letters or messages from the collector or its lawyer, and anything showing payments or account history. A phone photo of each page is fine.