Do not ignore the lawsuit. You must file a written answer with the court by the deadline stated in the citation to avoid a default judgment. Contact an attorney immediately to help you respond and explore your legal options.
Debt buyers purchase old debts, often for pennies on the dollar, and then aggressively attempt to collect the full amount—even when they can’t prove they legally own the debt.
At Cannon Legal PLLC, we are dedicated to protecting Texas consumers from aggressive and unlawful debt collection practices. We know the tactics debt buyers use, and we know how to hold them accountable under the law.
You do not have to navigate this stressful situation alone. Many Texas consumers face the same problems every day:
Our Aggressive Strategy Against Debt Buyers
The firm can help clients demand that the debt buyer provide documentation proving they legally own the debt, including the original contract and evidence of assignment. Without proper proof of assignment, the debt buyer may not have the legal right to collect the debt from you.
If you have been served with a lawsuit, you must file a written answer with the court by the deadline to prevent a default judgment. We can:
We assess whether the debt buyer has violated the Texas Debt Collection Act (TDCA) or the federal Fair Debt Collection Practices Act (FDCPA). These laws prohibit harassment, misrepresentation, and unfair practices.
We recently helped a client in Dallas facing an $11,384 debt lawsuit. The debt buyer couldn't provide legal proof of ownership, so we got the entire lawsuit dismissed. Not only that, but the negative mark was removed from their credit report. We fight for that same peace of mind for you.
Do not ignore the lawsuit. You must file a written answer with the court by the deadline stated in the citation to avoid a default judgment. Contact an attorney immediately to help you respond and explore your legal options.
No. Texas law generally prohibits the garnishment of wages for most types of consumer debt, including apartment debt.
For most consumer contract debts, the statute of limitations in Texas is typically four years. If the statute has expired, the debt buyer generally cannot sue you to collect it. However, they can still try to collect voluntarily, so you must assert this defense if you are sued on an old debt.
A debt buyer is a company that purchases delinquent debts, such as unpaid apartment rent or fees, for a fraction of the original amount and then attempts to collect the full balance from the consumer.