Sued for Debt in Texas? We Can Help
Our attorneys negotiate with debt collectors in Texas to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 14 Days
You have 14 days from the date you are served to file your Answer with the Texas court. Missing this deadline results in an automatic default judgment against you.
This is one of the shortest deadlines in the country. Act immediately.
Statute of Limitations in Texas
| Debt Type | Years |
|---|---|
| Credit Card | 4 |
| Medical Debt | 4 |
| Auto Loan / Deficiency | 4 |
| Personal Loan | 4 |
| Written Contract | 4 |
| Oral Contract | 4 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Texas
No wage garnishment for consumer debts
Texas does NOT allow wage garnishment for consumer debts. One of the most protective states. Bank accounts may also have protections.
Court System in Texas
Justice court handles cases up to $20,000. County court at law for larger cases. District court for amounts over $200,000.
Filing fees: $50-$300
Texas Consumer Protection Law
Texas Debt Collection Act (TDCA) / Texas Deceptive Trade Practices Act (DTPA)
In addition to the federal FDCPA, Texas has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Texas Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Texas clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 14 days to respond to the lawsuit in Texas. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Texas
How long do I have to respond in Texas?
By 10:00 AM on the first Monday after 20 days from service. Effectively about 14-20 days. This is one of the shortest deadlines.
What is the statute of limitations in Texas?
4 years for all types of debt. After 4 years, the debt is time-barred.
Can they garnish my wages in Texas?
No. Texas prohibits wage garnishment for consumer debts. This is one of the strongest protections in the country.
What is the Texas Debt Collection Act?
The TDCA provides additional protections beyond the federal FDCPA. It covers original creditors and third-party collectors and prohibits threats, deception, and unfair practices.
What can a creditor do with a Texas judgment?
While they cannot garnish wages, they can place liens on non-homestead property, levy non-exempt bank funds, and attempt to seize non-exempt assets.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Texas Debt
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