Protecting Tarrant County Consumers from Lawsuits and Judgments
Have you been served with a debt lawsuit in Fort Worth? Are you being sued by a creditor, a debt collector, or a company like Midland Credit or Portfolio Recovery Associates? If so, you’re not alone—and you’re not out of options.
At Texas Debt Law, we help Fort Worth residents fight back against debt collection lawsuits, defend themselves in Tarrant County courts, and avoid damaging default judgments. Our experienced legal team knows how to challenge weak cases, negotiate favorable settlements, and protect your financial future.
When Debt Turns Into a Lawsuit
It usually starts with missed payments—credit cards, personal loans, medical bills, or a repossessed car. Over time, the original creditor charges off the debt and sells it to a third-party debt buyer for pennies on the dollar. That’s when the lawsuits start.
In Fort Worth, we frequently see lawsuits filed by or on behalf of:
- Midland Funding
- LVNV Funding
- Cavalry SPV I
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR, LLC
These companies often file lawsuits with minimal documentation, hoping consumers won’t respond. If you don’t file a response in time, they win by default—even if they can’t prove the debt.
Fort Worth Residents: Know the Clock Is Ticking
When you’re sued in Texas, you typically have just 14 days to respond to a lawsuit. If you don’t file a proper Answer, the creditor can get a default judgment, allowing them to:
- Freeze your bank account
- Place liens on non-exempt property
- Worsen your credit for up to 10 years
- Pressure you with post-judgment collection efforts
Don’t ignore the lawsuit. Even if you think the debt is valid, you still have the right to force the creditor to prove it—and many can’t.
Where Fort Worth Debt Cases Are Filed
In Fort Worth and throughout Tarrant County, debt lawsuits can be filed in several courts depending on the amount in dispute:
Justice of the Peace Courts:
- JP Precinct 5-1 – Fort Worth
- JP Precinct 6 – West Fort Worth
- JP Precinct 7 – Arlington area
County or District Courts:
- For claims over $20,000 or involving more complex matters, cases may be filed in Tarrant County Court at Law or District Court in downtown Fort Worth.
Our attorneys regularly appear in these courts and know the procedures, deadlines, and expectations specific to each judge and precinct.
Common Debt Lawsuit Defenses We Use
Debt collection lawsuits often contain serious legal flaws. We conduct a comprehensive review to identify any defenses or procedural errors that could lead to dismissal or a better resolution.
Some common legal defenses include:
⚖️ Lack of Legal Standing
Can the plaintiff prove they legally own the debt? Debt buyers often can’t show a valid chain of title.
⌛ Statute of Limitations
Texas law allows 4 years from the date of default to file a lawsuit. Many cases are filed too late.
📄 Missing Contract or Documentation
If the plaintiff can’t produce a signed agreement or records, the case may be dismissed.
🧍♂️ Identity Issues
You may have been sued by mistake, due to a name mix-up or identity theft.
💸 Inflated or Incorrect Amounts
Debt buyers frequently sue for more than is legally owed, including interest or fees not authorized by the original agreement.
We use these defenses to build leverage for negotiation and settlement.
Our Fort Worth Debt Defense Services
Texas Debt Law is not a settlement company. We are a Texas law firm focused exclusively on debt defense. We serve individuals across Fort Worth and the wider Tarrant County area who are looking for honest, effective, and affordable legal help.
Here’s how we support our clients:
📝 Lawsuit Defense
We draft and file your Answer, challenge improper lawsuits, and represent you at hearings and trial if needed as per our agreement.
💼 Negotiated Settlements
When the case can’t be dismissed, we negotiate to settle the debt—often for 30–65% less than the balance.
🛑 Stop Default Judgments
We move quickly to file your response and prevent default rulings that could hurt your bank account or credit.
🔁 Judgment Relief
Already lost a case? We can sometimes vacate the judgment and reopen the case—especially if you were improperly served.
🧾 Flat-Fee Pricing
No hourly billing or percentage-based fees. You get a clear price up front, often with a payment plan.
Results for Fort Worth Clients
Here are a few real outcomes we’ve achieved for clients in Fort Worth and Tarrant County:
- $9,200 lawsuit dismissed due to expired statute of limitations
- $15,000 debt settled for $3,100 with 12-month payment plan
- Default judgment overturned after improper service; case later dismissed
You don’t have to face collectors alone. With the right help, you can turn the tables.
Fort Worth Debt Lawsuit FAQs
How do I know if I’ve been sued?
You should receive a Citation and a copy of the Petition from a process server or constable. If you’re unsure, we can check the court records for you.
Can a creditor take my paycheck?
Texas generally prohibits wage garnishment for consumer debts—but once a creditor has a judgment, they can seize bank accounts and place liens on property.
What if I already settled the debt?
We see many cases where collectors sue after a settlement or for debts that were discharged in bankruptcy. We’ll investigate and take action if you’re being wrongly sued.
Do I have to go to court?
In many Justice Courts, we can appear for you. If you’re required to attend, we’ll make sure you’re fully prepared.
Why Fort Worth Chooses Texas Debt Law
We are proud to be a Texas-based firm with a statewide footprint and a hyperlocal focus on Tarrant County courts. Clients trust us because we offer:
- ✅ Deep experience with Fort Worth debt lawsuits
- ✅ Rapid responses and same-day filings
- ✅ No hourly fees—flat pricing only
- ✅ Personalized attention—no call centers
- ✅ Respectful, judgment-free service
When you’re being sued, you need a fighter in your corner. That’s what we do.
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.