Houston Creditor Harassment Defense Attorney

Stop Creditor Harassment Now!

Credit card companies, banks, debt buyers and collections agencies in Texas are regulated under the federal Fair Debt Collection Practices Act (FDCPA). Under the law, collectors are restricted regarding the kinds of threats they make and actions they can take to entice a debtor to make payments on time or repay the debt owed.

We Take Debt Collectors To Court And Win!

If you live in Houston or anywhere else in Texas and have experienced any harassing behavior by a creditor or authorized collection agency, call Texas Debt Defense to discuss our Texas debt collections defense services. We are a team of experienced lawyers who have an in-depth knowledge of debt collection law. We regularly take credit card companies, scavenger debt collection agencies and debt buyers to trial — where we have an excellent record of success.

Understand Your Rights

In Texas, debt collectors may not:

Threaten to notify your employer or other third party about your debt
Call persistently after 9 p.m. or early mornings
Inform you of a legal action being taken if no legal proceeding has been started
Make a personal visit to your home or place of employment
Use abusive language by phone or correspondence
Make verbal threats of harm to you or your family

As a part of our houston debt defense practice, we comprehensively address all matters related to creditor harassment and other issues such as:

Bank, credit card company and debt buyer lawsuits
Collections defense
Consumer protection and fraud
Credit card company tricks
Creditor lawsuit defense
Debt collector lawsuits
Debt collection violations
Dealing with debt
Debt and your credit score
Payday loan debt

Texas Law

The Texas Deceptive Trade Practices-Consumer Protection Act adds additional requirements, including provisions that the debt collector cannot:

(Falsely) accuse the debtor of crimes
Use or threaten violence or other criminal acts to collect debt
Threaten to arrest the debtor or repossess property without using the proper procedure
Misrepresent the amount of the debt
Falsely claim that legal proceedings have begun