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Texas Debt Law

Your rights against collectors

Can debt collectors text or email me?

Short answer

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.

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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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