Short answer
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.
Helpful next
Sources
- 15 U.S.C. § 1692e (false or misleading representations) (Cornell LII)
- Regulation F, 12 C.F.R. part 1006 (eCFR)
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.