Trusted Legal Defense for Debt Lawsuits in Brazoria and Harris County
Have you been sued for a debt in Pearland, Texas? Whether it’s a credit card balance, old medical bill, or loan you thought was long forgotten, facing a debt collection lawsuit can be stressful and confusing. But don’t panic—you have legal rights, and with the right team behind you, you can fight back.
At Texas Debt Law, we help Pearland residents defend against lawsuits filed by creditors, collection agencies, and third-party debt buyers. Our experienced attorneys know the local courts in Brazoria County, Fort Bend County, and Harris County, and we understand how to resolve cases efficiently and affordably.
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 Pearland
When you fall behind on payments—credit cards, medical bills, personal loans—the original creditor may charge off the debt and sell it to a third-party debt buyer. These companies pay pennies on the dollar, then sue you for the full amount.
Common plaintiffs in Pearland-area debt lawsuits include:
- Midland Credit Management / Midland Funding
- LVNV Funding
- Portfolio Recovery Associates
- Cavalry SPV I, LLC
- Jefferson Capital Systems
- Unifund CCR
They often file cases with little documentation, hoping you won’t respond—allowing them to win by default judgment.
You Only Have 14 Days to Respond
In Texas, once you’re served with a lawsuit (Citation and Petition), you have only 14 days to file an official Answer with the court. If you fail to respond in time, the creditor can automatically win the case.
A default judgment allows the creditor to:
- Freeze your bank account
- Place a lien on your home or property
- Add interest, attorney fees, and court costs
- Harm your credit for up to 10 years
Our team at Texas Debt Law helps you avoid default by quickly filing your Answer, identifying your best legal defenses, and representing you in court.
Where Debt Cases Are Filed in Pearland
Pearland spans three counties—Brazoria, Fort Bend, and Harris—so your lawsuit may be filed in different courts depending on your address and the plaintiff:
Brazoria County:
- JP Precinct 3, Place 2 (serves most of Pearland)
Fort Bend County:
- JP Precinct 2 (possible for some Pearland residents on the western edge)
Harris County:
- JP Precinct 2 or 5, depending on zip code and jurisdiction
Large claims (usually over $20,000) may be filed in County Court at Law or District Court in that county’s courthouse.
We have experience in all of these venues and know how to tailor our defense based on the specific court and judge handling your case.
Common Defenses We Use in Pearland Debt Lawsuits
Many debt collection lawsuits are based on incomplete, inaccurate, or unenforceable claims. We identify key legal issues that can lead to dismissal or better outcomes:
📑 No Valid Proof
Debt buyers often can’t prove they own your specific account or provide the documents necessary to collect.
⌛ Statute of Limitations
Most debt lawsuits in Texas must be filed within 4 years. If the case is too old, we can move to dismiss it.
❌ Wrong Person
You might be sued for someone else’s debt—common with similar names or mixed-up credit records.
💸 Inflated Amounts
Debt collectors often add illegal interest or fees. We challenge inaccurate accounting.
📄 No Contract or Terms
If the collector can’t show a contract or clear terms of agreement, they may not be able to collect at all.
What Texas Debt Law Offers Pearland Residents
We are a Texas-based law firm focused exclusively on defending clients in debt collection lawsuits. Unlike national companies that promise debt relief but don’t go to court, we’re actual litigators who show up, file real legal documents, and fight to win.
Here’s what we do:
✅ File Your Legal Response
We ensure your Answer is filed with the court on time, preventing default.
✅ Represent You in Court
We handle hearings, motions, and communications with opposing counsel. You’re not alone.
✅ Negotiate Settlements
If dismissal isn’t possible, we negotiate favorable settlements—often for 50–80% less than the full balance.
✅ Vacate Judgments
If you’ve already lost the case, we may be able to reopen it and defend you.
✅ Transparent Flat-Fee Pricing
No hourly billing. No percentage-based fees. Just flat rates with optional payment plans.
Success Stories in Pearland and Nearby Areas
Here are a few real examples of how we’ve helped clients across the Pearland region:
- $11,200 lawsuit dismissed due to lack of assignment documentation
- $8,500 settled for $2,100 with 0% interest over 12 months
- Judgment vacated after improper service at former address
- Emergency motion filed to stop a bank account freeze within 24 hours
Our attorneys treat every case with urgency and attention—because we know what’s at stake for you.
Pearland Debt Defense FAQs
Can a debt collector garnish my wages in Texas?
No. Texas prohibits wage garnishment for most consumer debts. But once they have a judgment, collectors can freeze your bank account or file liens on property.
I think I owe the debt—should I just pay it?
Even if the debt is valid, you may not owe the full amount—or the lawsuit may be unenforceable. Let us review the case before you make any payments.
Can I ignore the lawsuit?
No. Ignoring it almost always leads to default judgment. Once that happens, your options are limited, and the damage to your finances can last for years.
What if I already have a judgment?
We may be able to vacate the judgment and reopen the case—especially if you weren’t properly served.
Why Pearland Chooses Texas Debt Law
We’re not a call center. We’re not a national debt relief company. We are licensed Texas attorneys with a focused mission: defending Texans sued over consumer debt.
Clients choose us because:
✅ We get real results: dismissals, settlements, and judgment relief
✅ We provide flat, affordable pricing
✅ We have local court experience in all Pearland-area counties
✅ We’re fast, responsive, and honest
✅ We offer free case evaluations