Protecting Collin County Consumers from Collection Lawsuits
Being sued for a debt can feel overwhelming, but if you live in McKinney, TX, you don’t have to face it alone. At Texas Debt Law, we help McKinney residents take control of debt lawsuits, defend their rights in court, and avoid damaging judgments that can follow you for years.
Whether you’re being sued over a credit card, personal loan, medical bill, or old auto deficiency, we know how to fight back. We serve clients across Collin County, including McKinney, Frisco, Allen, and surrounding communities.
Debt Lawsuits in McKinney: What You Need to Know
In McKinney and greater Collin County, debt buyers and creditors file thousands of lawsuits each year in Justice of the Peace Courts and County Courts at Law. These suits are often filed with little warning and minimal paperwork—and they count on you doing nothing.
Common debt buyers and creditors that sue McKinney residents include:
- Midland Credit Management
- LVNV Funding
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Cavalry SPV I, LLC
- Unifund CCR, LLC
They typically work through large law firms like Rausch Sturm, Scott & Associates, and Mandarich Law Group, filing lawsuits in volume. If you don’t respond quickly, they win by default.
Don’t Ignore the Lawsuit – Time Is Limited
Once you’re served with a Citation and Petition, Texas law gives you only 14 days to file a formal response (called an Answer) with the court. If you miss the deadline, the plaintiff can obtain a default judgment, allowing them to:
- Freeze your bank account
- File liens against your property
- Report the judgment to credit bureaus
- Collect post-judgment interest and fees
Many people don’t even realize they’ve been sued until their bank account is emptied. Our team at Texas Debt Law works fast to file your response, protect your rights, and develop a winning strategy.
Where Are Debt Cases Filed in McKinney?
McKinney is the county seat of Collin County, so it’s a hub for debt-related litigation. Most debt collection cases are filed in:
Justice of the Peace Courts:
- JP Precinct 3-1 (Frisco)
- JP Precinct 3-2 (McKinney)
Collin County Court at Law:
- Larger lawsuits over $20,000 may be filed here.
We regularly represent clients in these courts and are familiar with the rules, expectations, and local procedures. Whether your case is in McKinney or a surrounding city, we know how to handle it.
Legal Defenses to Debt Lawsuits in McKinney
We don’t take debt buyers at face value. Many of these lawsuits are built on shaky evidence and are beatable in court. Our attorneys review each case carefully and raise the strongest available defenses, including:
🔍 No Proof of Ownership
Can the plaintiff show they legally own your debt and have the right to collect? If not, they lose.
⌛ Statute of Limitations
Texas law limits most debt lawsuits to 4 years. If they sue late, we can ask the court to dismiss the case.
🧾 Missing or Incomplete Documentation
If the collector can’t provide account records, contracts, or payment history, we can challenge the claim.
❌ Mistaken Identity
You may have been sued for someone else’s debt or a debt that’s already been paid.
💰 Inflated Balances
Debt collectors often sue for amounts that include unauthorized or inflated interest and fees.
How Texas Debt Law Helps McKinney Residents
Texas Debt Law is a consumer-focused law firm offering affordable, flat-fee legal services for people sued by creditors or debt buyers. We help clients across McKinney and Collin County defend debt lawsuits and avoid unfair judgments.
Here’s how we help:
📝 File Your Answer
We ensure your response is filed properly and on time—preventing a default judgment.
⚖️ Court Representation
We represent you in court, handle all filings, and communicate with opposing counsel.
💰 Negotiate Settlements
If dismissal isn’t possible, we work to settle the debt—often for 50% or more off the claimed amount.
🛑 Stop Bank Freezes and Judgments
We act quickly to stop creditors from seizing funds or filing liens.
🔄 Motion to Vacate Judgments
If you’ve already lost by default, we may be able to overturn the judgment and reopen your case.
💵 Flat-Fee Pricing
No hourly billing. No surprises. Just straightforward legal help at an affordable price.
Real Case Results in McKinney & Collin County
Our attorneys have resolved hundreds of debt lawsuits across North Texas. Recent successes for clients in and near McKinney include:
- $12,000 lawsuit dismissed for lack of evidence (JP 3-2 McKinney)
- $9,800 debt settled for $2,100 with 12-month payment plan
- Default judgment vacated after improper service
- Bank account seizure reversed after emergency filing
Every case is unique, but our goal is always the same: protect you from abusive collection tactics and help you move forward.
Frequently Asked Questions (FAQ)
Can a creditor garnish my wages in McKinney?
Texas generally prohibits wage garnishment for consumer debt. However, after a judgment, they can freeze your bank account or place liens on non-exempt property.
I think the debt is mine—should I just pay it?
Not necessarily. Even if you owe something, the amount may be wrong, the collector may lack proof, or the lawsuit may be invalid. Let us review it first.
Do I need to go to court?
Often, we can appear on your behalf—especially in Justice Courts. If a hearing requires your presence, we’ll prepare you fully and be by your side.
What if I already have a judgment?
We may be able to file a Motion to Vacate and reopen your case—especially if you were not properly served.
Why Choose Texas Debt Law?
We’re not a national debt settlement company. We’re a Texas-based law firm dedicated to protecting consumers from unfair and abusive collection practices. We don’t just settle—we fight and win in court.
Clients choose us because we offer:
- ✅ Flat-fee pricing with no surprises
- ✅ Quick responses and case reviews
- ✅ Deep knowledge of McKinney courts
- ✅ Personalized attention and honest advice
- ✅ Dismissals, settlements, and real results
We’ve built our reputation one case at a time—and we’re proud to serve McKinney residents with integrity and commitment.
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.