Short answer
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.
An FDCPA claim generally must be filed within one year of the violation, so tell us about collector misconduct early. Claims against a collector are a separate legal service, not included in the debt-defense flat fee.
Helpful next
Sources
- 15 U.S.C. § 1692k (civil liability) (Cornell LII)
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Texas Rules of Civil Procedure (Texas Judicial Branch)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.