Fight Back Against Lawsuits & Collections
re you facing a debt collection lawsuit in Plano, Texas? Have you been served court papers from a creditor, debt buyer, or law firm like Midland Credit Management, Portfolio Recovery Associates, or Rausch Sturm? If so, you’re not alone—and you have options. At Texas Debt Law, we are dedicated to helping consumers in Plano and Collin County defend their rights, fight back against unfair collection tactics, and resolve debt-related lawsuits with confidence.
Whether you’re dealing with credit card debt, old medical bills, charged-off accounts, or surprise lawsuits from third-party collectors, our experienced Plano debt defense lawyers can help you understand your rights, assess your legal defenses, and fight for the best outcome possible.
Free Case Evaluation
(469) 589-5600
Why You Might Be Sued for a Debt in Plano
In Texas, creditors and debt buyers often file lawsuits in local county or justice courts to collect on past-due accounts. These lawsuits can stem from:
- Credit card debt
- Personal loans
- Medical bills
- Auto loans and repossession deficiencies
- Store cards or retail credit
- Old utility bills
- Apartment leases or broken contracts
Plano residents are often targeted by national debt buyers like LVNV Funding, Cach, LLC, or Cavalry SPV I, LLC, who purchase charged-off debt accounts and file lawsuits in volume, hoping to win by default when defendants don’t respond.
If you’ve received a Summons and Citation from a Collin County court or a Plano Justice of the Peace court, do not ignore it. The clock is ticking. In Texas, you typically have only 14 days to file a formal response, known as an Answer, to avoid a default judgment.
What Happens If You Ignore a Debt Lawsuit in Plano?
If you fail to respond to a debt collection lawsuit, the creditor or debt buyer can win automatically by default. This allows them to:
- Get a court judgment against you
- Garnish your bank account (note: Texas generally prohibits wage garnishment for consumer debts, but bank levies are allowed)
- Place a lien on your non-exempt property
- Ruin your credit report for up to 10 years
The good news? Even if you’ve already had a judgment entered against you, Texas Debt Law may still be able to help with post-judgment relief, settlement, or motion to vacate the judgment in the right circumstances.
Defending Debt Lawsuits in Plano: Your Legal Rights
Many debt collection lawsuits are flawed, missing documents, or filed without proper evidence. Our Plano debt attorneys thoroughly analyze each case and identify strong legal defenses, including:
- Lack of standing – Can the debt buyer prove they legally own your account?
- Statute of limitations – Is the debt too old to be collected through the courts? (Texas’ statute is generally 4 years for most debts.)
- Improper service – Were you properly served with the lawsuit?
- Identity theft or mistaken identity – Is the debt even yours?
- Incorrect balance or fees – Are the amounts being claimed inflated or unlawful?
- No contract or insufficient evidence – Can the creditor prove a valid agreement exists?
We may also challenge default judgments, negotiate settlements, or pursue dismissals when creditors fail to prosecute their cases properly.
Common Creditors & Law Firms Suing in Plano
Plano residents frequently get sued by the following debt buyers and collection law firms:
Common Plaintiffs:
- Midland Credit Management
- Portfolio Recovery Associates
- LVNV Funding
- Unifund CCR
- Cavalry SPV I
- Jefferson Capital Systems
Common Plaintiff Law Firms:
- Rausch Sturm
- Scott & Associates
- Michael J. Scott, P.C.
- Zwicker & Associates
- Couch, Conville & Blitt
- Weltman, Weinberg & Reis
These firms know most people don’t respond in time or show up to court. At Texas Debt Law, we level the playing field with strategic defenses tailored to each case.
Plano Court Locations Where Debt Cases Are Filed
Most debt lawsuits in Plano are filed in one of the following Collin County courts:
Collin County Justice of the Peace Precinct Courts:
- Precinct 3-1 (Plano)
- Precinct 3-2 (Frisco)
- Precinct 4 (McKinney)
For lawsuits above $20,000, creditors may file in Collin County Court at Law or District Court.
Knowing which court you’re dealing with—and the applicable local rules—is critical to successfully defending your case. Our attorneys are experienced with Collin County court procedures and deadlines.
How Texas Debt Law Helps Plano Residents
At Texas Debt Law, we are not a debt settlement company or a national law firm that outsources your case. We are a Texas-based law firm focused entirely on consumer debt defense. Here’s how we can help:
1. Free Case Evaluation
We’ll review your lawsuit, collection letters, and credit reports at no cost and explain your options.
2. Flat-Fee Affordable Legal Defense
We believe everyone deserves a fair shot at defending themselves. That’s why we offer transparent flat-fee pricing and payment plans.
3. Experienced Trial Lawyers
Our team includes seasoned litigators who know how to fight debt buyers in court—and win.
4. Dismissals, Settlements, and Negotiations
Many Plano cases can be dismissed, settled for pennies on the dollar, or even resolved without trial.
5. Protection from Harassment
Once you hire us, debt collectors must contact us—not you. We handle all communications and filings.
6. Post-Judgment Relief
If you already lost your case or had your bank account frozen, we may still be able to help. Don’t give up without talking to us.
Real Results for Clients in Plano and Collin County
We’ve successfully helped thousands of Texans beat debt lawsuits, eliminate judgments, and resolve their accounts. Recent victories for Plano clients include:
- Dismissal of a $7,800 credit card lawsuit for lack of standing
- Settlement of a $14,000 collection case for just $3,200 paid over 6 months
- Vacated default judgment and negotiated favorable payment terms
- Avoided wage garnishment and protected exempt assets
Our client-focused approach delivers results that give you peace of mind.
Frequently Asked Questions
Can a debt collector garnish my wages in Plano?
In Texas, wage garnishment is generally prohibited for consumer debt. However, bank account garnishments, liens, and property seizures are possible after a judgment.
What if the debt isn’t mine?
We often uncover cases of mistaken identity, mixed files, or outright identity theft. If the debt isn’t yours, we’ll help prove it—and push back aggressively.
What is the statute of limitations on debt in Texas?
Most consumer debt lawsuits must be filed within four years from the date of last payment or activity. If a creditor sues too late, we can seek dismissal.
How much does it cost to hire a Plano debt defense lawyer?
At Texas Debt Law, we offer flat-fee pricing, starting at just a few hundred dollars depending on the case type and court. No hidden fees, no percentage-based charges like debt settlement companies.
Do I need to appear in court?
In many Plano Justice Court cases, we can appear on your behalf. If you do need to attend, we’ll prepare you fully and ensure you’re not alone.
Why Plano Chooses Texas Debt Law
Plano is a thriving North Texas suburb—but financial hardship can strike anyone. Whether due to job loss, inflation, medical bills, or divorce, debt stress is real. But it shouldn’t control your future.
Our firm helps Plano families, professionals, and retirees get a fresh start by fighting back against unjust or aggressive debt collection practices.
We’ve earned a reputation for:
- Clear, honest legal advice
- Fast response times
- Affordable pricing
- Local expertise
- Real court victories
Let us help you protect your rights and take back control of your finances.
Call Today for a Free Debt Defense Consultation
Don’t face a debt lawsuit alone. Whether you’re being sued, already have a judgment against you, or just received a collection letter—contact Texas Debt Law today.
We offer free consultations for Plano residents and serve all of Collin County.
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.