All About Texas Debt Collection Laws

Stop Debt Collectors All About Texas Debt Collection Laws

How to Stop Harassment from Debt Collectors In Texas

Texas debt collection is no joke. If you're getting calls from debt collectors left and right and just want to make it stop, but you're nervous about negotiating with debt collectors on your own, we don't blame you.

Learning how to deal with a debt collector isn't exactly something they cover in school, and the first time you're facing such a situation can feel extremely daunting. Fortunately, with DoNotPay's Stop Debt Collectors feature, you can get relief fast and easy in just a few clicks!

Can I Ignore Texas Debt Collectors and Hope They Go Away?

Unfortunately, ignoring debt collectors won't make them go away. In fact, doing so can make your situation worse.

Ignoring or avoiding the debt collector may cause the debt collector to use other methods to try to collect the debt, including a lawsuit against you.

This is just as true in Texas as it is anywhere else. If you're dealing with debt collectors, don't put off finding relief.

Important Debt Collection Laws to Know in Texas

When dealing with debt collectors in Texas, it's important that you know your rights.

What Are My Rights in Texas?

In the state of Texas, you have the right not to be harassed by debt collectors.

What constitutes harassment?

  • Using threats of violence against you and/or your family and friends
  • Making false statements to entrap you or the people around you
  • Claiming you owe more than you do (either to scare you or scam you)
  • Contacting you in ways other than by mail, phone, telegram, or fax
  • Contacting you at strange and unusual hours (before 8am or after 9pm)
  • Contacting third parties multiple times regarding you (other than your attorney)
  • Disclosing your debt to your employer (or anyone other than your attorney)

Even if a debt collector is staying within the guidelines and not "harassing" you, their persistence will still feel stressful. When that's happening, it's time to turn to DoNotPay. Our Stop Debt Collectors feature can help you decide on your next steps.

Are My Rights in Texas Different from the Rights Granted in the FDCPA?

In protecting you from predatory and harassing debt collectors, Texas works together with the Federal Trade Commission (FTC) and stays in compliance with the debt collection laws outlined in the Federal Debt Collection Practices Act (FDCPA). You have rights, and DoNotPay can help you exercise them.

Statute of Limitations of Debt Collection in Texas

In Texas, the statute of limitation on debt collection is four years. Once this period is up, debt collectors are barred from suing you in court to recover the debt.

For more on how this works, you can read up on the following Texas laws related to debt and debt collection:

Section 16.004 of the Texas Civil Practice and Remedies CodeThis explains the statute of limitations more fully
Section 392.007 of the Texas Finance CodeThis explains when the clock starts, stops, and restarts in different situations
Title 12, Section 1006.26 of the Code of Federal RegulationsThis covers the latest rules from the federal Consumer Financial Protection Bureau related to time-barred debts

Despite what you might be thinking at the moment, however, "just waiting four years" is not a good option for dealing with debt collectors.

For one thing, the "clock" counting those four years doesn't always run the entire time, meaning that "four year" period can often extend longer than you may suspect. Additionally, if you ignore your debt, your credit score may take a hit from which you won't be able to recover. Rather than trying to ignore or run from your debt, turn to DoNotPay for fast and easy access to your options.

Find Debt Collection Relief in Texas with DoNotPay

Handling debt collection in Texas on your own can feel stressful. Let DoNotPay handle things on your behalf. 

Here's how it works.

  1. Search "debt collection" on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

     

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices.

DoNotPay Can Handle It

If you're tired of dealing with debt collectors, don't try to go it alone anymore. DoNotPay has everything you need to turn your situation around. Try these related services today:

We can even help you cancel unwanted subscriptions and even find missing money. Come learn more about all DoNoPay offers through our remarkable features.

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