Short answer
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.
Helpful next
Sources
- 15 U.S.C. § 1692k (civil liability) (Cornell LII)
- 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.