Trusted Legal Defense Against Credit Card Lawsuits, Debt Collectors, and Debt Buyers in Bexar County
Are you being sued for a debt in San Antonio? Ignoring it can lead to serious consequences — but fighting back the right way can protect your money, your credit, and your peace of mind.
At Texas Debt Law, our experienced San Antonio Debt Attorneys represent individuals who are facing lawsuits, judgments, or harassment from creditors and debt collectors. Whether you’ve been served with court papers or are getting constant collection calls, we can help.
We defend real people in Bexar County every day — and we know how to beat creditors, negotiate better settlements, and even uncover illegal practices that could entitle you to compensation.
Free Case Evaluation
(210) 964-5556
Why Am I Being Sued for Debt?
In most cases, debt lawsuits are filed over:
- Unpaid credit card balances
- Personal loans from banks or online lenders
- Medical bills referred to collections
- Auto loan deficiencies
- Old debts that were sold to debt buyers
Lawsuits are often filed by:
- Original creditors (like Discover, Capital One, Synchrony)
- Debt buyers (like Midland Funding, Portfolio Recovery, or LVNV Funding)
- Law firms representing third-party debt collectors
These lawsuits can show up unexpectedly — often years after the last payment. Many consumers don’t even recognize the name of the company suing them. That’s because the debt has often changed hands multiple times.
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.
What Happens If I Ignore the Lawsuit?
In Texas, if you don’t file a response with the court by the deadline (usually 14 days in Justice Court or 20 days in County/District Court), the plaintiff can win automatically by default judgment.
With a default judgment, the creditor may:
- Freeze your bank accounts
- File a lien on your home
- Report the judgment on your credit report
- Add interest, legal fees, and costs to what you allegedly owe
- Start garnishment proceedings (especially out of state)
Don’t give them an easy win. Our San Antonio debt attorneys know how to stop the lawsuit and put you in control.
Our Process: How Texas Debt Law Helps You
✅ Step 1: We Stop the Default
We act fast to file an official Answer with the court. This stops the clock and preserves your right to fight back.
✅ Step 2: We Analyze and Attack Their Case
Debt lawsuits often rely on:
- Weak documentation
- Generic affidavits
- Miscalculated balances
- No signed contract
- Improper chain of assignment
We use legal procedures to force them to prove every detail — and most can’t.
✅ Step 3: We Defend Aggressively in Court
Our attorneys know how to:
- Challenge standing (the right to sue)
- Raise the statute of limitations defense (usually 4 years)
- Fight for dismissal when documents are lacking
- Demand strict proof of every allegation
- Cross-examine debt buyer reps in court
We’ve handled hundreds of debt defense cases — and we bring that experience to your side.
✅ Step 4: We Negotiate Favorable Settlements (When Needed)
If settlement is the best path forward, we negotiate:
- Deep reductions (often 30%–70% off)
- No-interest, flexible payment plans
- Dismissals with prejudice (so they can’t sue again)
- Language to protect your credit report
We make sure the deal is in writing, enforceable, and in your best interest.
✅ Step 5: We Sue the Debt Collector (If They Break the Law)
Collectors and creditors frequently violate state and federal law. We’ll investigate your case for violations of:
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Texas Debt Collection Act
If they’ve crossed the line, we may file a counterclaim or separate lawsuit and seek compensation on your behalf.
Types of Cases We Handle in San Antonio
Our team represents clients in debt cases filed in:
- Justice of the Peace Courts (JP Courts)
- Bexar County Courts at Law
- District Courts
We handle lawsuits filed by:
- Midland Credit Management / Midland Funding
- Portfolio Recovery Associates
- LVNV Funding
- Jefferson Capital Systems
- Resurgent Capital Services
- Cavalry SPV
- Unifund
- Discover Bank
- American Express
- Capital One
- Synchrony Bank
- WebBank / Lending Club
- Many others
These companies know our name — and they know we don’t settle cheap.
Areas We Serve Around San Antonio
Our San Antonio debt attorneys help clients in:
- San Antonio (City of San Antonio and all 10 council districts)
- Leon Valley
- Kirby
- Converse
- Live Oak
- Universal City
- Alamo Heights
- Castle Hills
- Helotes
- Balcones Heights
- Windcrest
- Schertz
- Selma
- Bexar, Guadalupe, Comal, and Medina counties
What If I Already Have a Judgment?
It’s not too late. Even if a creditor already won a case, we may be able to:
- File a motion to set aside a default judgment
- Challenge improper service or procedural errors
- Negotiate a judgment settlement or payment plan
- Fight wage garnishments or levies (especially if you’ve moved out of Texas)
- Explore bankruptcy options if necessary
Don’t assume the judgment is final — we may still have legal tools to fight back.
Why Hire Texas Debt Law?
✅ Local Knowledge – We’ve defended cases in every major San Antonio court.
✅ Transparent Flat Fees – Know what you’ll pay up front — no surprises.
✅ Aggressive Legal Defense – We don’t fold under pressure. We fight smart.
✅ Proven Results – We’ve helped thousands of Texans beat back creditors and reclaim peace of mind.
✅ Compassionate Counsel – You’re not just a case number. You’re a person who deserves respect.
Free Case Review With a San Antonio Debt Defense Lawyer
Don’t wait until your wages are garnished or your bank account is frozen. The earlier you act, the stronger your defense will be.