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Are you facing a debt collections lawsuit? Are you worried about losing your home or assets? Debtors have rights under federal and state law that protect your privacy, homestead, and other exempt property. If you have been sued on a consumer debt account, such as a credit card, contact our firm to help you negotiate a settlement. Debt collectors often attempt to bully or intimidate debtors, hoping they do not know their rights. Competent legal defenders can quash these tactics immediately.
Texas and Federal law both forbid unfair debt collection practices. Debt collectors often ignore your rights and willfully violate these laws. Phone harassment is the most common, but certainly not the only way creditors bully debtors.
The Texas Fair Debt Collection Act forbids practices such as:
Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
Debt collectors also may not state that:
- you will be arrested if you do not pay your debt
- they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so
- actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action
Further, debt collectors may not:
- give false credit information about you to anyone, including a credit bureau
- send you anything that looks like an official document from a court or government agency when it is not
- use a false name
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
If you would like to speak with our law firm regarding a legal matter you have, we encourage you to contact us by phone at (830) 629-6955 or send us a message.