Defending You Against Debt Lawsuits, Creditors, and Collection Agencies in Houston and Harris County
If you’ve been sued for debt or harassed by collectors in Houston, Texas — don’t face it alone. At Texas Debt Law, our Houston Debt Attorneys are here to protect your rights, defend you in court, and help you fight back.
We represent everyday Texans in Harris County and across Southeast Texas in debt defense matters, including credit card lawsuits, personal loan disputes, and cases involving aggressive debt buyers. We know the local courts, we know the players, and most importantly — we know how to win.
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(281) 407-1327
Debt Lawsuits in Houston: What You’re Up Against
Many people are shocked to learn they’re being sued over an old debt — often one they don’t even recognize. Here’s who might be coming after you:
- Credit card companies like Discover, Capital One, or American Express
- Debt buyers such as Midland Credit Management, LVNV Funding, or Portfolio Recovery Associates
- Collection agencies pursuing medical debt, auto loans, or retail accounts
- Third-party servicers representing banks or lenders
The lawsuit may arrive by mail or be handed to you by a process server. Either way, the clock starts ticking the moment you’re served.
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.
What Happens If You Don’t Respond?
If you ignore a debt lawsuit in Texas, the creditor can obtain a default judgment — and that gives them powerful collection tools, including:
- Bank account garnishment (yes, it happens in Texas)
- Liens on your home or property
- Seizure of non-exempt assets
- Long-term damage to your credit report
- Interest and attorney’s fees stacking up over time
But here’s the good news: you have legal defenses — and our Houston debt attorneys can use them to stop the lawsuit, reduce what you owe, or even get the case dismissed.
How Our Houston Debt Attorneys Fight Back
When you hire Texas Debt Law, you get a team that moves fast and fights hard. Here’s what we do:
1. File a Strong Answer
We file an official response to the lawsuit, preventing a default judgment and preserving your legal rights. Our answers often include:
- General and specific denials
- Legal defenses
- Requests for dismissal
- Counterclaims when appropriate
2. Challenge the Creditor’s Evidence
Many debt buyers sue with minimal documentation — and that’s their weakness. We force them to produce:
- Original signed contracts
- Proof of the full payment history
- Proper chain of title if the debt was sold
- Accurate balance calculations
If they can’t prove their case, we push for dismissal or negotiate from a position of strength.
3. Negotiate Smart Settlements
If resolution makes sense, we work to settle for less — often 30-60% of what they claim — and with favorable terms, such as:
- No interest
- Flexible payment plans
- No admission of liability
- Credit repair provisions
All settlement agreements are written, enforceable, and in your best interest.
4. Assert Counterclaims if They Violated the Law
We investigate every case for violations of state and federal law, including:
- Texas Debt Collection Act
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
If collectors lied, harassed you, sued on time-barred debt, or reported false info — we can sue them for damages. This requires a separate attorney representation agreement and your case may or may not qualify depending on your circumstances.
Lawsuits We Handle in Houston and Harris County
We defend consumers sued in:
- Justice of the Peace Courts (JP Courts)
- County Courts at Law
- District Courts
Houston-area JP Courts are especially active in debt lawsuits. These courts move quickly, and you may only have 14 days to respond after being served.
We handle cases across:
- JP Precinct 1 – Downtown
- JP Precinct 4 – North Harris County
- JP Precinct 5 – West Houston
- JP Precinct 7 – South Houston
- JP Precinct 8 – Pasadena/Clear Lake
- Harris County Civil Courts at Law
If your case is filed in Montgomery, Fort Bend, or Brazoria County — we can help there, too.
Common Debt Buyers and Creditors We Fight in Houston
We regularly defend clients sued by:
- Midland Credit Management / Midland Funding
- Portfolio Recovery Associates
- LVNV Funding
- Jefferson Capital Systems
- Cavalry SPV
- Synchrony Bank
- Capital One
- Citibank
- Discover Bank
- American Express
- Resurgent Capital
These entities often operate with limited evidence and poor recordkeeping. We use that to your advantage.
What Makes Texas Debt Law Different?
✅ Local Court Experience – We know Harris County’s courts and how to navigate them.
✅ Affordable Flat Fees – No hourly billing. Transparent pricing for every stage of your case.
✅ Aggressive Legal Tactics – We don’t wait and react — we go on offense.
✅ Track Record of Results – Dismissals, reduced settlements, credit repair victories.
✅ Client-Focused Service – We treat you like a person, not just a case file.
Areas We Serve in Greater Houston
We help clients across Southeast Texas, including:
- Houston
- Sugar Land
- Pasadena
- Baytown
- The Woodlands
- Spring
- Cypress
- Pearland
- Missouri City
- Humble
- League City
- Conroe
- Katy
- Richmond
- Tomball
If you’re in Harris, Montgomery, Fort Bend, or Brazoria County — we’ve got your back.
Don’t Wait — Deadlines Are Critical
Once you’re served with a debt lawsuit, you may have only days to act. Letting the deadline pass can severely limit your options and lead to a judgment. The sooner we get involved, the more we can do to help.