Got Sued for Debt in Garland?
If you’ve been sued for a debt in Garland, Texas, you may feel like you’re out of options. Whether the lawsuit comes from a credit card company, medical provider, or a third-party debt buyer like Midland Credit or LVNV Funding, you still have rights—and you don’t have to face this alone.
At Texas Debt Law, we represent Garland residents and Dallas County consumers who are facing debt lawsuits, default judgments, and aggressive collection actions. We help stop lawsuits in their tracks, force creditors to prove their case, and negotiate favorable resolutions for our clients.
Why Debt Collection Lawsuits Happen in Garland
Garland is one of the most frequently targeted cities in Dallas County for debt collection lawsuits. Here’s how it usually happens:
- A consumer falls behind on payments—credit cards, personal loans, or medical bills.
- The creditor sells the debt to a third-party debt buyer, often for pennies on the dollar.
- The debt buyer sues you in local Dallas County courts, usually through a high-volume law firm.
These lawsuits are often filed by:
- Midland Funding / Midland Credit Management
- LVNV Funding
- Portfolio Recovery Associates
- Cavalry SPV I
- Jefferson Capital Systems
- Unifund CCR, LLC
The goal? Get a default judgment because most people never respond in time. But with proper legal help, you can fight back—and win.
What to Do If You’re Sued in Garland
When you’re sued, you typically receive a Citation and a copy of the lawsuit (Petition). In Texas, you have 14 days from the date of service to file an official Answer with the court.
If you don’t respond, the creditor can:
- Get a default judgment
- Freeze your bank accounts
- File liens on property
- Report the judgment to credit bureaus
- Keep collecting interest and fees
This judgment can follow you for 10 years or more. But when you hire Texas Debt Law, we move fast to protect your rights, file your response, and develop a defense strategy.
Where Garland Debt Cases Are Filed
Garland debt lawsuits are usually filed in one of the following Dallas County courts:
Dallas County Justice of the Peace Courts:
- JP Precinct 2, Place 1 – Garland area
- JP Precinct 2, Place 2 – Mesquite area
Lawsuits involving over $20,000 may be filed in Dallas County Court at Law or District Court in downtown Dallas.
We routinely appear in these courts and know how to tailor our defense based on the judge, venue, and opposing law firm.
Legal Defenses We Use to Challenge Garland Debt Lawsuits
Many collection lawsuits are based on poor records, missing paperwork, or inflated balances. Our legal team carefully analyzes each case and applies the strongest available defenses, such as:
📄 Lack of Proof
Debt buyers often fail to provide documentation showing they own your account or how the balance was calculated.
⌛ Statute of Limitations
In Texas, most consumer debt must be sued on within 4 years of default. If they’re too late, we push to dismiss.
❌ Wrong Person
We often see lawsuits filed against the wrong person due to mistaken identity or incorrect account info.
💰 Inflated Charges
The amount claimed may include unauthorized fees or interest that violate state or federal law.
🧾 No Contract
Without a signed agreement or clear terms, the plaintiff may have no legal basis to sue.
What Texas Debt Law Can Do for Garland Residents
Our firm is 100% focused on debt lawsuit defense. We don’t settle debts with shady companies or ask for upfront payments without results. We defend our clients in court and get real results.
✅ File Your Answer & Represent You
We’ll make sure your response is filed correctly and on time, then represent you at every stage of the case.
✅ Negotiate Settlements
We settle many cases for 30%–60% less than what’s claimed, often on affordable monthly terms.
✅ Stop Default Judgments
If you’ve been sued but haven’t responded, we act fast to prevent judgment and protect your money.
✅ Vacate Judgments
If you already lost your case or had your bank account frozen, we may be able to reverse the judgment.
✅ Flat-Fee Pricing
No hidden costs. Just straightforward pricing with payment plans available if needed.
Garland Debt Defense Success Stories
We’ve helped hundreds of Dallas County residents resolve their debt lawsuits. Here are just a few examples from Garland and surrounding areas:
- $9,400 lawsuit dismissed after plaintiff failed to prove chain of title
- $14,000 debt settled for $3,500 over 12 months
- Judgment vacated after improper service at old address
- Garnishment stopped and client refunded over $2,000 seized from bank account
Each case is different—but with the right strategy, we fight for the best outcome every time.
Frequently Asked Questions (Garland Clients Ask)
Can a creditor garnish my wages?
In Texas, wage garnishment is not allowed for most consumer debts. However, creditors can freeze your bank account or file property liens if they win a judgment.
I’ve already paid part of the debt. Can I still fight it?
Yes. Even partial payments don’t necessarily mean the lawsuit is valid. We can still raise legal defenses and challenge the case.
Do I have to go to court?
In many JP courts, we can appear on your behalf. If you do need to go, we’ll prepare you fully.
What if I was never properly served?
If you didn’t receive proper notice of the lawsuit, we may be able to vacate the judgment and re-open the case.
Why Garland Residents Trust Texas Debt Law
We are a Texas-based law firm with real experience in Garland and Dallas County courts—not a call center or out-of-state operation.
Clients choose us because:
- ✅ We know the local courts and judges
- ✅ We provide real legal defense—not just settlements
- ✅ We’re affordable, transparent, and responsive
- ✅ We’ve helped thousands of Texans get relief
We understand how stressful it is to be sued—and we treat every client with respect, clarity, and aggressive advocacy.
Your Next Steps – Don’t Wait for a Judgment
If you’ve been served with a lawsuit, time is running out. Even if you haven’t yet been sued, getting legal advice now can help you prepare, negotiate, or settle your debts with more control and less damage.
Here’s what to do next:
- Collect any documents (lawsuit, letters, collection notices)
- Contact Texas Debt Law for a free case evaluation
- Let our attorneys handle the court filings and defense
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.