Affordable Legal Help for Debt Lawsuits in West Texas
If you’ve been sued for a debt in El Paso, Texas, you’re not alone—and you’re not out of options. Every day, El Paso residents receive lawsuits over credit card debt, medical bills, personal loans, and more. But just because a debt buyer or creditor files a case doesn’t mean they’ll win.
At Texas Debt Law, we defend individuals in El Paso County who are facing lawsuits from creditors, collection agencies, and debt buyers. We fight back with flat-fee legal defense, strategic case evaluations, and personalized support. Whether your goal is to settle the case or get it dismissed, we’re here to help.
Flat-Fee Pricing for Debt Lawsuit Defense
| Amount of the Lawsuit | Our Flat Legal Fee |
|---|---|
| Less than $1,000 | $400 |
| $1,001 – $2,500 | $500 |
| $2,501 – $5,000 | $750 |
| $5,001 – $7,500 | $1,000 |
| $7,501 – $10,000 | $1,250 |
| $10,001 – $12,500 | $1,500 |
| $12,501 – $15,000 | $1,750 |
| $15,001 – $20,000 | $2,000 |
| Over $20,000 | Call for Pricing |
Flexible payment plans available. We work with your budget.
Get Help Today – Free Case Review
If you’re facing a debt lawsuit—or already have a judgment against you—contact Texas Debt Law today. We’ll review your case, explain your options, and help you fight back. Don’t wait until it’s too late—take control of your financial future now.
Why You’re Being Sued in El Paso
Most lawsuits filed in El Paso are initiated by debt buyers—companies that purchase accounts from original creditors and sue consumers to collect full balances. These companies rely on mass litigation, and often hope you won’t respond.
Common plaintiffs in El Paso debt lawsuits:
- Midland Credit Management / Midland Funding
- LVNV Funding
- Cavalry SPV I, LLC
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR, LLC
They often use high-volume law firms that focus on collecting default judgments. If you don’t file an Answer in time, the court will automatically rule in their favor.
Don’t Ignore the Lawsuit – You Only Have 14 Days
Texas law gives you 14 days from the date you were served to respond to a debt lawsuit by filing an Answer. If you miss the deadline, the plaintiff can request a default judgment, giving them the legal right to:
- Freeze your bank account
- File a lien on your property
- Report the judgment to credit bureaus
- Collect interest and fees for years
At Texas Debt Law, we help El Paso residents file responses on time, fight back in court, and protect their finances.
Where Debt Lawsuits Are Filed in El Paso
Debt collection lawsuits in El Paso are generally filed in:
El Paso County Justice of the Peace Courts:
- JP Precinct 1–4 – Depending on your zip code and location
El Paso County Court at Law:
- For larger debts or appeals involving amounts over $20,000
We are familiar with the judges, procedures, and filing requirements in each court and can quickly take over your case and defend your rights.
Legal Defenses to Debt Lawsuits in El Paso
Debt lawsuits are often filed with minimal documentation. Many lack key details or legal standing. We examine every case for strong legal defenses like:
📑 No Proof of Debt Ownership
If the plaintiff can’t show that they legally own your account and the chain of title, we argue they lack standing.
⌛ Expired Statute of Limitations
Texas law gives creditors 4 years to file suit from the date of default. If the deadline has passed, we push to dismiss.
🧾 No Contract or Billing History
Debt buyers often can’t produce a signed agreement, statements, or accurate account history.
❌ Wrong Defendant
We handle cases where consumers were sued by mistake—due to common names, old addresses, or identity theft.
💰 Inflated or Incorrect Balances
If the amount claimed includes illegal fees or interest, we dispute the numbers and seek reduction or dismissal.
Our Services for El Paso Residents
At Texas Debt Law, we provide real legal defense—not just generic settlements. Our attorneys take fast action to protect you from default, defend you in court, and reduce the financial burden of collection lawsuits.
What we offer:
✅ File Your Answer
We draft and file your response to the lawsuit to preserve your rights and avoid judgment.
✅ Represent You in Court
We handle hearings, motions, and all communication with the opposing attorneys.
✅ Negotiate Settlements
We settle cases for far less than the balance owed—often with monthly payments and 0% interest.
✅ Vacate Default Judgments
If you’ve already lost by default, we may be able to reopen the case and start over with a strong defense.
✅ Flat-Fee Pricing
No hourly billing. No surprise fees. Just transparent, flat-rate legal defense you can afford.
Success Stories from El Paso and West Texas
We’ve helped clients across Texas resolve debt lawsuits and avoid judgments. Examples from the El Paso area include:
- $10,500 lawsuit dismissed for lack of documentation
- $13,200 settled for $2,800 over 12 months
- Judgment vacated after proving improper service
- Emergency motion filed to unfreeze bank account within 48 hours
Each case is different, but our goal is always the same: keep you protected and fight for your best outcome.
Frequently Asked Questions – El Paso Debt Defense
What happens if I ignore a lawsuit?
If you don’t file a timely Answer, the court will likely enter a default judgment against you. That judgment allows collection actions like frozen accounts and liens.
Can my wages be garnished in Texas?
No. Texas generally prohibits wage garnishment for consumer debt. However, creditors can freeze your bank account after a judgment.
What if I already lost my case?
You may still have options. If you weren’t properly served or have a valid defense, we may be able to vacate the judgment and fight the case.
Is hiring a lawyer worth it if I know I owe the debt?
Yes. Many people still get their cases dismissed or settled for a much lower amount—even if the debt is valid.
Why El Paso Residents Choose Texas Debt Law
We’ve earned the trust of Texans statewide by providing fast, affordable, and effective debt defense. Clients in El Paso choose us because:
- ✅ We offer flat-fee pricing with no hidden costs
- ✅ We respond quickly and file cases fast
- ✅ We know El Paso County courts and procedures
- ✅ We deliver dismissals, settlements, and judgment relief
- ✅ We treat every client with respect and compassion