Fight Back Against Collection Lawsuits in Collin and Denton Counties
If you’re a Frisco resident facing a debt collection lawsuit, you may be feeling overwhelmed, anxious, or unsure of what to do next. You’re not alone. Every month, thousands of consumers across Texas are sued by debt buyers and collection law firms—and many never fight back. At Texas Debt Law, we’re here to change that.
We help Frisco individuals and families protect their rights, respond to lawsuits, challenge false or exaggerated claims, and resolve debt cases affordably and efficiently. Whether you’re dealing with a credit card balance, medical bill, old loan, or auto deficiency, our experienced legal team can help.
Why You’re Being Sued in Frisco, TX
Frisco sits in both Collin and Denton Counties, and creditors routinely file lawsuits in both jurisdictions. Often, you may be sued not by the original creditor, but by a debt buyer—a company that purchased your debt for pennies on the dollar and now wants to collect the full balance through the court system.
Some of the most common plaintiffs we see in Frisco lawsuits include:
- Midland Credit Management
- LVNV Funding
- Portfolio Recovery Associates
- Cavalry SPV I
- Jefferson Capital Systems
- Unifund CCR
These companies usually hire high-volume law firms to file lawsuits in local courts, including:
- Justice of the Peace Precinct 3-1 or 3-2 (Collin County)
- JP Precinct 2 (Denton County)
Their strategy often depends on the consumer doing nothing—leading to a default judgment that gives them the power to garnish your bank account or place liens on property.
What Happens If You Ignore the Lawsuit
In Texas, the deadline to respond to a debt collection lawsuit is 14 days from the date you are served. If you don’t file a proper Answer within that time, the creditor can automatically win.
A default judgment allows them to:
- Seize money from your bank accounts
- File liens against your home or other assets
- Damage your credit for up to 10 years
- Renew the judgment for even longer
We regularly help clients in Frisco avoid these consequences—often getting the case dismissed, the amount reduced, or the judgment overturned.
Common Defenses in Frisco Debt Cases
Most consumers don’t realize how many defenses exist in a typical debt collection lawsuit. These cases often rely on incomplete, outdated, or inaccurate records. At Texas Debt Law, we conduct a detailed review and identify strong legal arguments, including:
🧾 No Proof of Ownership
Can the debt buyer show they legally purchased your account from the original creditor? If not, they can’t enforce it.
⌛ Statute of Limitations
In Texas, most debts must be sued on within 4 years. Many collectors file after the deadline.
🧍 Mistaken Identity
You may have been sued for a debt that doesn’t belong to you, especially if you have a common name or share an address with someone else.
💵 Inflated or Inaccurate Balance
Collectors often sue for more than what’s owed—adding unauthorized fees or interest.
📃 Missing Contract or Documentation
If the plaintiff can’t produce a signed agreement or billing statements, we may seek a dismissal.
Our Services for Frisco Residents
At Texas Debt Law, we aren’t a national call center or debt settlement company. We are a Texas-based consumer protection law firm focused entirely on defending clients in debt litigation.
Here’s how we help clients in Frisco and surrounding areas:
🛡️ Lawsuit Defense
We respond to the lawsuit, appear in court on your behalf, and challenge the creditor’s evidence and procedures.
💰 Debt Settlement Negotiation
If the case can’t be dismissed, we negotiate lump-sum or payment plan settlements—often for less than half the original amount.
🔄 Motion to Vacate Judgments
Already have a default judgment? If you weren’t properly served or have a valid defense, we may be able to reopen the case.
⚖️ Flat-Fee Legal Representation
We offer transparent flat-fee pricing—no hourly billing, and no percentage-based fees.
📞 Collector Communication
Once you hire us, collectors must stop calling you. We take over all communications and negotiations.
Where Debt Cases Are Heard in Frisco
Because Frisco spans two counties, lawsuits may be filed in different courts depending on your address and the amount in dispute:
In Collin County:
- Justice of the Peace Precinct 3-1 (Frisco)
- Justice of the Peace Precinct 3-2 (McKinney)
In Denton County:
- Justice of the Peace Precinct 2 (Little Elm)
- Denton County Court at Law for larger lawsuits
We’re familiar with all of these courts and regularly represent clients in each. We know the judges, the procedures, and the right way to present your case.
Client Success Stories from Frisco and Surrounding Areas
We’ve helped hundreds of Texans overcome debt lawsuits. Here are just a few recent victories in or near Frisco:
- $8,500 lawsuit dismissed for lack of documentation (Collin County)
- $12,000 debt settled for $2,700 with affordable monthly payments (Denton County)
- Default judgment overturned after client was improperly served at old address
- Case dismissed after collector failed to prove ownership of the debt
Our goal is always the same: protect your rights, resolve the case on your terms, and minimize the financial damage.
Common Questions from Frisco Clients
What if I already paid part of the debt?
Even if you’ve made payments, we can still defend the lawsuit and verify whether the amount claimed is accurate or inflated.
Can a creditor take my paycheck?
Texas generally prohibits wage garnishment for consumer debt—but a judgment allows them to seize money from your bank account or file property liens.
I was never served—do I still have to pay?
If you weren’t properly served, we may be able to vacate the judgment and reopen the case. This happens more often than you might think.
Can you appear in court for me?
Yes. In most Justice Courts, we can appear on your behalf. If your presence is needed, we’ll make sure you’re fully prepared.
Why Frisco Residents Choose Texas Debt Law
We’ve built a reputation across North Texas for honest advice, strategic representation, and transparent pricing. Here’s why clients in Frisco trust us with their financial future:
- ✅ Local expertise in Collin and Denton County courts
- ✅ Fast action—same-day responses available
- ✅ Affordable, flat-fee services
- ✅ No judgment—just solutions
- ✅ Personalized service and communication
Next Steps: Don’t Wait Until It’s Too Late
The biggest mistake we see? People ignore the lawsuit—then wake up to a frozen bank account or ruined credit. If you’ve been sued, the time to act is now.
Here’s what to do:
- Gather any documents you’ve received (lawsuit, court notice, demand letters)
- Contact Texas Debt Law for a free case review
- Let us respond to the lawsuit and protect your rights
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.