Affordable Lawsuit Defense for Debt Lawsuits in Harris and Fort Bend County
Have you been sued over a debt in Katy, Texas? Whether it’s from a credit card, old medical bill, auto loan, or personal line of credit, facing a debt lawsuit can be stressful. The good news? You have rights—and legal defenses.
At Texas Debt Law, we help Katy residents fight back against debt collectors and third-party debt buyers who file lawsuits in Harris and Fort Bend County courts. We file your legal response, challenge improper lawsuits, and negotiate settlements that actually work for your budget.
Don’t wait. With the right strategy, we can help you stop judgments, protect your finances, and move forward with peace of mind.
Free Case Evaluation
(281) 407-1327
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.
Why You’re Being Sued in Katy
Most debt lawsuits in Katy are filed by debt buyers—companies that purchase charged-off accounts from original lenders like Capital One, Citibank, or Synchrony Bank. They pay pennies on the dollar and try to collect the full amount from you in court.
These companies include:
- Midland Credit Management
- LVNV Funding
- Cavalry SPV I
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR
They rely on law firms that file thousands of lawsuits each month—betting that you won’t respond. If you ignore the lawsuit, they win by default and get a judgment.
What Happens If You Don’t Respond?
In Texas, if you’re served with a debt collection lawsuit, you generally have 14 days to file an Answer with the court. If you fail to respond, the creditor can request a default judgment.
This gives them the power to:
- Freeze your bank accounts
- Place liens on property
- Damage your credit for up to 10 years
- Collect post-judgment interest
Once a judgment is entered, your options become more limited. That’s why it’s critical to act immediately and contact a debt defense lawyer in Katy who understands the local courts and how to fight back.
Debt Lawsuit Venues in Katy, TX
Katy overlaps two major counties: Harris County and Fort Bend County. Depending on your address and the amount of the claim, your case may be filed in one of the following courts:
Harris County Courts:
- Justice of the Peace Precinct 5, Place 2 – Covers parts of Katy
- Harris County Civil Court at Law – For claims above $20,000
Fort Bend County Courts:
- JP Precinct 3 – Often used for Katy-area suits on the Fort Bend side
- County Court at Law – Larger claims or appeals
We are familiar with both court systems and regularly represent clients in debt lawsuits throughout both counties.
Legal Defenses We Use in Katy Debt Cases
Just because you’re being sued doesn’t mean the case is valid. In fact, many debt collection lawsuits are full of errors, missing documents, and inflated balances. Our Katy debt defense attorneys evaluate every detail to find strong defenses like:
📄 No Proof of Ownership
Debt buyers must prove they own your specific account. Many can’t.
⏱️ Statute of Limitations
Most Texas debt lawsuits must be filed within 4 years of default. If they’re late, we move to dismiss.
❌ Incorrect Defendant
Sometimes, they sue the wrong person or mix up accounts.
💸 Inflated or Illegal Fees
We challenge excessive charges, unauthorized interest, and misleading accounting.
🧾 Missing Contracts
If the collector can’t show you agreed to the terms or validate the debt, their case falls apart.
What We Do for Katy Clients
At Texas Debt Law, we provide comprehensive, flat-fee legal defense for consumers sued for debt. Unlike national call centers or settlement companies, we’re licensed Texas attorneys who actually show up in court and defend your rights.
Our services include:
✅ Answering the Lawsuit
We file a legal response to the complaint on time, protecting you from default judgment.
✅ Representing You in Court
Our attorneys handle all court appearances, filings, and communication with the opposing side.
✅ Negotiating Favorable Settlements
If dismissal isn’t possible, we negotiate for substantial reductions—often saving clients 50–80% off the claimed balance.
✅ Vacating Default Judgments
Already lost? If you weren’t properly served or have a legal defense, we may be able to reopen the case.
✅ Transparent Flat-Fee Pricing
No hourly rates. No hidden costs. Just straightforward legal help with optional payment plans.
Recent Case Results in Katy & Nearby Areas
We’ve helped clients throughout Harris and Fort Bend counties overcome debt lawsuits with strong outcomes. Recent results include:
- $12,400 lawsuit dismissed for lack of evidence
- $9,700 debt settled for $2,300 with 0% interest
- Default judgment overturned due to improper service
- Emergency motion filed to unfreeze a client’s bank account in 48 hours
No two cases are the same, but we fight hard on every one—backed by experience and local court knowledge.
FAQs – Katy Debt Lawsuit Questions
Can a creditor take my paycheck?
No. Texas law generally prohibits wage garnishment for consumer debts. But they can freeze your bank account after a judgment.
What if I already paid or settled this debt?
We’ll investigate. Many lawsuits are filed in error after payment or on accounts already resolved.
Can you appear in court for me?
Yes. In most Justice Courts, we can appear on your behalf. If your presence is required, we’ll prepare you fully.
I already lost—can you still help?
If we can prove improper service or another legal issue, we may be able to vacate the judgment and restart your defense.
Why Katy Chooses Texas Debt Law
Our firm is built to help everyday Texans get out from under unfair debt lawsuits and regain peace of mind. Clients in Katy trust us because:
✅ We deliver real results
✅ We’re local, licensed Texas attorneys
✅ We offer flat, affordable pricing
✅ We know Harris and Fort Bend courts
✅ We provide honest, fast answers