Defending Debt Lawsuits in Montgomery and Harris County
Have you been sued for a debt in The Woodlands, Texas? Whether the case involves a credit card, medical bill, auto deficiency, or a personal loan, a debt lawsuit can feel overwhelming. But here’s what you need to know: you have legal rights, and the worst thing you can do is ignore the lawsuit.
At Texas Debt Law, we represent consumers in The Woodlands and surrounding Montgomery and Harris County areas who are facing debt collection lawsuits. We help you respond on time, defend you in court, and fight to dismiss or settle your case for a fraction of what’s being claimed.
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 The Woodlands
If you’re being sued, chances are the lawsuit isn’t coming from the original creditor. Instead, it’s likely a debt buyer—a company that purchased your charged-off account for pennies on the dollar and is now trying to collect the full amount through the court system.
Common debt buyers filing lawsuits in The Woodlands include:
- Midland Credit Management / Midland Funding
- LVNV Funding
- Cavalry SPV I
- Portfolio Recovery Associates
- Jefferson Capital Systems
- Unifund CCR
They rely on consumers not responding, which allows them to get a default judgment—a legal ruling in their favor simply because the defendant failed to act.
Don’t Let Them Win by Default
Texas law gives you just 14 days to file a legal response (called an Answer) after being served with a lawsuit. If you don’t, the creditor can ask the judge for a default judgment—which allows them to:
- Freeze your bank accounts
- File property liens
- Add interest and fees
- Damage your credit for up to 10 years
We help clients in The Woodlands file timely responses, defend against invalid lawsuits, and fight to dismiss or settle the case on favorable terms.
Where Debt Cases Are Filed in The Woodlands
Depending on where you live in The Woodlands, your case may be filed in either Montgomery County or Harris County courts:
Montgomery County Residents:
- Justice of the Peace Precinct 3 – The Woodlands
- Montgomery County Court at Law (for larger claims)
Harris County Residents:
- Justice of the Peace Precinct 4 or 5
- Harris County Civil Court at Law
We regularly appear in all of these courts and know how to tailor your defense to each court’s procedures, filing rules, and local practices.
Legal Defenses to Debt Lawsuits in The Woodlands
Many debt lawsuits are legally weak. Debt buyers often file lawsuits without sufficient evidence, clear ownership of the debt, or accurate account records. At Texas Debt Law, we identify and raise strong defenses, including:
📄 No Proof of Ownership
Debt buyers must show they legally own your account and have a right to collect. Most can’t.
⌛ Statute of Limitations
Texas has a 4-year statute of limitations for most consumer debts. If they sue too late, we can get the case dismissed.
❌ Wrong Person or Identity Theft
You might be sued in error due to a name match or identity fraud.
💸 Inflated or Illegal Charges
Debt collectors often sue for more than is actually owed, adding unauthorized interest or fees.
📑 Missing or Incomplete Documentation
If they can’t show your payment history, contract terms, or billing records, we argue that they cannot enforce the claim.
How Texas Debt Law Helps The Woodlands Residents
We provide flat-fee legal defense for consumers being sued over debt in Texas. Our firm is focused exclusively on debt defense, and we handle hundreds of cases like yours every year—whether you’re being sued for $1,500 or $50,000.
What We Offer:
✅ Answer the Lawsuit
We file your legal response quickly to avoid default judgment and preserve your defenses.
✅ Appear in Court for You
In many Justice Courts, we can appear on your behalf. If you must attend, we’ll prepare you thoroughly and be by your side.
✅ Dismiss or Settle the Case
If the debt buyer can’t prove their case, we push for dismissal. If proof exists, we negotiate reduced settlements—often 30–70% less than the claimed amount.
✅ Vacate Old Judgments
If you already lost a case, we may be able to reopen it—especially if you weren’t properly served.
✅ Flat-Fee Pricing
We never bill by the hour. All of our fees are flat-rate and transparent—with payment plans available if needed.
Real Results for Clients in The Woodlands
We’ve helped many residents in Montgomery and Harris Counties resolve their debt cases with positive outcomes:
- $9,800 lawsuit dismissed for lack of account documentation
- $12,000 debt settled for $2,600 with 12-month payment plan
- Judgment vacated due to improper service
- Bank account garnishment reversed and funds returned
We fight to protect your income, your rights, and your peace of mind.
FAQs – Debt Defense in The Woodlands
Can they take my paycheck?
In most cases, Texas law prohibits wage garnishment for consumer debt. But creditors with a judgment can still freeze your bank account.
What happens if I ignore the lawsuit?
The creditor can win automatically. That’s called a default judgment, and it gives them powerful collection tools. Don’t ignore it—call us right away.
Is it too late to fix this if I already lost?
Not always. If you were improperly served or have a valid legal defense, we may be able to vacate the judgment.
What if I know I owe the money?
Even if the debt is valid, the amount may be wrong or the lawsuit may be defective. You still have legal options—and we’ll help you resolve it smartly.
Why Choose Texas Debt Law?
We aren’t a national call center or a debt settlement scheme. We are real Texas lawyers, with real courtroom experience and a singular focus on helping clients fight back against debt collectors.
Why clients in The Woodlands trust us:
✅ Dismissals, reductions, and relief from judgments
✅ Flat, affordable pricing
✅ Responsive and clear communication
✅ Deep experience with local courts
✅ We don’t judge—we protect
Don’t Wait — Deadlines Are Critical
Once you’re served with a debt lawsuit, you may have only days to act. Letting the deadline pass can severely limit your options and lead to a judgment. The sooner we get involved, the more we can do to help.