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Texas Debt Law

Your rights against collectors

Can a collector threaten arrest or jail?

Short answer

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.

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Sources

Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.

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