Legal Protection Against Debt Lawsuits in Dallas County
Have you been sued for a debt in Irving, Texas? Whether it’s a credit card balance, old medical bill, personal loan, or repossession-related debt, receiving a lawsuit can be stressful and confusing. But you’re not powerless—and you’re not alone.
At Texas Debt Law, we defend Irving residents against debt collection lawsuits filed by creditors and third-party debt buyers. We understand the tactics used by companies like Midland Credit Management and Portfolio Recovery, and we know how to challenge their claims, negotiate better outcomes, or get the case dismissed entirely.
The Irving Debt Lawsuit Process – What to Expect
Most debt lawsuits in Irving are filed in Dallas County Justice of the Peace Courts or County Courts at Law. You’ll usually be served with a Citation and Petition, requiring you to respond within 14 days.
If you fail to respond, the creditor may win by default judgment, giving them the power to:
- Freeze your bank accounts
- File liens against your property
- Report the judgment to credit bureaus
- Collect interest and fees for years to come
Texas law offers strong consumer protections, but only if you act quickly. At Texas Debt Law, we’ll make sure your response is filed correctly and fight to stop the judgment from happening.
Who’s Suing Irving Residents?
Creditors and debt buyers file thousands of lawsuits every year in Dallas County. In Irving, some of the most common plaintiffs include:
- Midland Funding / Midland Credit Management
- LVNV Funding
- Cavalry SPV I, LLC
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR
These companies often use high-volume law firms like Rausch Sturm, Scott & Associates, and Mandarich Law Group, hoping to win easy default judgments from consumers who don’t respond or know how to defend themselves.
Irving Court Locations for Debt Cases
Debt lawsuits involving Irving residents are typically filed in:
Justice of the Peace Precinct 4-1 or 4-2 – Dallas County
For cases under $20,000, these courts are the first stop for many debt buyers.
Dallas County Court at Law
For higher-value cases or those involving complex legal issues, creditors may file in county-level courts in downtown Dallas.
Our legal team is experienced in both courts and understands the local rules, procedures, and expectations.
Legal Defenses to Debt Collection Lawsuits
At Texas Debt Law, we analyze every case for potential legal defenses. Many lawsuits are based on poor records, inflated balances, or procedural errors. Some of the most common defenses we use include:
🔍 No Proof of Debt Ownership
Debt buyers must prove they legally own your account. If they can’t, they can’t collect.
⏱️ Statute of Limitations
Most debts have a 4-year limit in Texas. If they sue after that, we move to dismiss.
🚫 Wrong Defendant
We often see lawsuits filed against the wrong person due to similar names or shared addresses.
💵 Inflated Balances
Debt buyers frequently include unauthorized interest, fees, or charges beyond what’s legally owed.
📄 No Signed Agreement
Without a valid contract or proof of terms, the lawsuit may fall apart in court.
How Texas Debt Law Helps Irving Clients
We’re not a settlement company. We are a Texas-based law firm focused exclusively on defending consumers against debt lawsuits. We serve individuals and families across Irving, Grand Prairie, and the greater Dallas County area.
Here’s how we help:
📝 File Your Answer
We make sure your response is filed correctly and on time, avoiding default judgment.
⚖️ Represent You in Court
We attend hearings, challenge improper lawsuits, and present strong legal arguments on your behalf.
💰 Negotiate Affordable Settlements
We frequently negotiate 50–80% reductions in balances, with manageable payment plans.
🛑 Stop Default Judgments
If you’ve been sued but haven’t responded yet, we move fast to stop the judgment from being entered.
🔄 Vacate Judgments
Already lost a case? We may be able to reopen it and defend you—especially if you were never properly served.
💵 Flat-Fee Pricing
We offer simple, flat-rate fees with no surprises. Payment plans are available.
Recent Success Stories from Irving and Dallas County
- $11,000 lawsuit dismissed for lack of documentation in JP 4-1
- $13,500 debt settled for $2,900 with 12-month payment plan
- Default judgment vacated after client proved improper service
- Bank account unfrozen within 48 hours of emergency motion filing
Each case is unique, but our goal is always the same: protect your rights and resolve your case with the least financial harm.
Frequently Asked Questions from Irving Clients
Can I be sued again for the same debt?
If a case was dismissed with prejudice, no. But if it was dismissed without prejudice, the creditor might refile—unless the statute of limitations has passed.
Can they garnish my paycheck?
Texas prohibits wage garnishment for most consumer debts. However, bank levies and liens are allowed after a judgment.
What if I already paid or settled the debt?
We’ll investigate and present proof to the court. You may still have valid defenses and should never assume the lawsuit is legitimate.
Do I need to appear in person?
In many Justice Courts, we can appear for you. If a personal appearance is required, we’ll prepare you thoroughly.
Why Choose Texas Debt Law for Your Irving Case?
We’re not a generic law firm that dabbles in debt defense—we focus on it. We’ve represented hundreds of consumers throughout North Texas and understand how to win against the major debt buyers and their law firms.
Here’s what sets us apart:
- ✅ Texas-based, consumer-focused law firm
- ✅ In-depth knowledge of Dallas County courts
- ✅ Clear, flat-fee pricing with no hourly rates
- ✅ Fast, responsive legal team
- ✅ Real results—dismissals, settlements, and judgment relief
Don’t Wait – Protect Yourself Now
Debt lawsuits move fast. Don’t give up your rights by ignoring a court deadline or trying to handle it alone. With the right legal help, you can resolve the lawsuit and move forward with peace of mind.
Let Texas Debt Law help you take back control.
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.