Fight Back Against Credit Card Lawsuits Anywhere in Texas
At Texas Debt Law, we defend consumers across the state of Texas who are being sued by credit card companies, debt collectors, and junk debt buyers. If you’ve been served with a lawsuit, don’t ignore it. A default judgment can result in wage garnishment, frozen bank accounts, and long-term credit damage.
You have rights—and we’re here to protect them.
Free Case Evaluation
(469) 589-5600
Why You’re Being Sued for Credit Card Debt
Credit card and personal loan lawsuits are typically filed when a creditor claims you’ve failed to repay a debt. However, these cases often rely on:
- Incomplete or inaccurate records
- Poor documentation
- Lawsuits filed by third-party debt buyers who may not even legally own the debt
We Defend Clients Against:
- Original creditors like Capital One, Discover, American Express
- Debt buyers such as Midland Funding, Portfolio Recovery Associates, and LVNV Funding
- Collection law firms that file hundreds of lawsuits across Texas every month
Our Proven Debt Defense Strategies Include:
- Challenging improper service or lack of supporting documentation
- Demanding proof of ownership of the debt
- Disputing inflated balances, interest, and fees
- Asserting any applicable consumer law violations
- Negotiating settlements when appropriate
- Filing motions to dismiss when creditors can’t meet legal requirements
Many of our clients have had their cases dismissed, settled for a small percentage of the balance, or resolved without paying anything at all.
You Only Have 14 Days – Don’t Wait
In Texas, you typically have just 14 days to respond to a lawsuit after being served. If you miss this deadline, the creditor can win by default. Our attorneys handle the entire process—from filing your Answer to appearing in court on your behalf.
Why Choose Texas Debt Law?
- Focused exclusively on Texas debt defense
- Thousands of debt lawsuits handled statewide
- Flat-fee pricing—no hourly rates or hidden costs
- Virtual consultations and remote representation available
- Fast case reviews and filings—often within 24–48 hours
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 a Texas Debt Attorney Can Do for You
- File your legal Answer to prevent a default judgment
- Challenge invalid claims, inflated balances, or incorrect creditor names
- Respond to discovery, motions, and court deadlines
- Negotiate with the creditor for dismissals or reduced settlements
- Protect your income from wage garnishments and frozen accounts
- Raise counterclaims if the creditor or collector violated your rights if applicable. This requires a separate attorney engagement agreement for Fair Debt Collection Act litigation.
Already Have a Default Judgment? You May Still Have Options
If a judgment has been entered against you, we can explore:
- Motion to Set Aside Default Judgment (if less than 30 days old)
- Appeals or Bills of Review (depending on timeline and circumstances)
- Negotiated settlements to reduce the judgment and stop collection
- Bankruptcy consultations if your debt load is unmanageable
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.