Short answer
Dispute it. Ask for the statements that show how the balance was calculated. Interest and fees must be allowed by your agreement and the law, and collectors can't add amounts not authorized by the contract or law.
Helpful next
Sources
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (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.