In Texas, most consumer‑debt lawsuits (credit cards, medical bills, personal loans) must be filed within four years from accrual; many promissory notes and certain checks follow six‑year limits under UCC § 3.118. Time‑barred debt buyers cannot sue or revive expired claims. Can creditors sue … [Read more...]
What Property Is Exempt from Debt Collectors in Texas
Texas law protects key assets from most judgment creditors: your homestead, current wages, federal benefits, most retirement accounts, and specified personal property capped at $50,000 for single adults or $100,000 for families. Non-exempt property may be levied or frozen after judgment. … [Read more...]
If Someone Sues You, Can They Take Your House in Texas?
In Texas, creditors cannot force the sale of your primary homestead, since the Texas Constitution shields unlimited equity on up to 10 urban acres (100 rural; 200 for families). However, they may record a judgment lien that you must clear before refinancing or selling. Quick Answer: How do I … [Read more...]
How Do I Vacate a Default Judgment in Texas? A Step-by-Step Guide for North Texas Families
Quick Answer: How do I vacate a default judgment in Texas? If you receive a default judgment, file a motion for new trial within 30 days, or if later, pursue a restricted appeal within six months or file a bill of review within four years. File a motion for new trial within 30 days under … [Read more...]
What Courts Handle Debt Collection Cases in Texas? A Complete Guide
Quick Answer: What courts handle debt collection cases in Texas? If you owe ≤ $20,000, file in Justice Court; for $20,001–$250,000, file in County Court at Law; over $250,000 or seeking injunctions, file in District Court. Justice Court (Tex. R. Civ. P. 502.5): debts ≤ $20,000. County … [Read more...]
Chances of Winning a Credit Card Lawsuit in Texas
Quick Answer: Your Chances of Winning a Credit Card Lawsuit in Texas Serving Texas statewide • Bankruptcy limited to DFW • Texas-barred attorneys Reviewed by: Christopher Migliaccio, Managing Partner • Updated: Nov. 6, 2025 We help Texans beat credit card lawsuits by filing timely Answers and … [Read more...]
Abstract of Judgement Texas: How a Simple Filing Becomes a Powerful Lien on Your Property
In Texas, a properly prepared abstract of judgment can create a judgment lien on your non-exempt real property in a county once the abstract is recorded and indexed in that county’s real property records. The lien can also attach to non-exempt real property you later acquire in that county while the … [Read more...]
How Long Does a Judgment Last in Texas?
As an experienced debt defense attorney here in Texas, I know how long does a judgment last in Texas after my clients think they're in the clear. Nathan called me one day after learning that a judgment—over ten years old—had been revived. “Chris, things have been great. I’m making so much money … [Read more...]
Can Credit Card Companies Take Your House? What Texas Homeowners Need to Know
If you’re drowning in credit card debt, you might be wondering: can credit card companies take your house? Many homeowners are facing financial difficulties and worry about losing their homes due to credit card debt. That’s a fear for many Texas homeowners, especially when bills pile up and you … [Read more...]
What Is Zombie Debt? A Complete Guide to Understanding and Handling Old Debts
As an experienced debt defense attorney here in Texas, I’ve received many calls from clients about a debt they thought was long dead but then suddenly resurfaces and comes back to life. Lydia’s a perfect example. “Chris, I’m getting these terrible flashbacks to when I was dealing with … [Read more...]
Can I Be Sued Twice for the Same Debt in Texas?
Imagine paying off an old credit card balance, then getting sued again by a new debt collector. I’ve seen this happen many times in Texas. Errors in the debt collection process, like lost paperwork or database mistakes, can cause multiple lawsuits for the same debt. Texas has borrower-friendly … [Read more...]
How Much Does It Cost a Creditor to Sue You In Texas?
When a creditor decides to sue you for unpaid debt, they pay different costs, such as court filing fees and attorney’s fees. You might wonder, “How much does it cost a creditor to sue you?” This article explains those expenses and covers the main factors that affect a creditor’s choice to take legal … [Read more...]
What to Know if Facing a Denali Capital, LLC Lawsuit in Texas
Have you just been served with a Denali Capital, LLC lawsuit for debt collection? If so, you may feel confused and overwhelmed. What is Denali Capital, LLC? Is it legitimate, and why is it suing you? Can you do anything to protect yourself? Fortunately, you have legal rights and options to resolve … [Read more...]
What to Do If Truist Bank Is Suing You for Debt in Texas
When Truist Bank files a Texas debt suit, your next steps are straightforward: confirm the court type to calculate the exact Answer date, submit an Answer before that deadline to prevent default, and compare Truist’s claim to your records while considering negotiation, mediation, or … [Read more...]
What to Do if Facing a Troy Capital, LLC Lawsuit in Texas
Have you been served with a lawsuit from Troy Capital, LLC? If so, you are not alone. Debt buyers like Troy Capital, LLC file thousands of lawsuits, hoping consumers like you will ignore the lawsuit or be too overwhelmed or busy to fight back. However, a lawsuit notice is not a judgment, and you … [Read more...]
What to Know if Facing a First National Bank of Omaha Lawsuit in Texas
Facing a lawsuit from First National Bank of Omaha can be overwhelming and confusing. After being served with lawsuit papers, you may be unsure of your rights, whether you can fight the lawsuit or negotiate, and how to move forward. If you take anything away from this article, it is never to ignore … [Read more...]
What to Know if Facing a Neighborhood Credit Union Debt Collection Lawsuit
Has your credit union, Neighborhood Credit Union, sued you for an alleged debt? If so, you may be feeling anxious and unsure about how to protect your interests and resolve the lawsuit. Below, our Texas debt collection defense lawyers discuss what you should know if facing a Neighborhood Credit … [Read more...]
What to Do if Facing a CKS Prime Investments Lawsuit in Texas
Have you been served with a CKS Prime Investments lawsuit in Texas? If so, you may feel overwhelmed, confused, and uncertain about how to move forward. However, it is essential to know that you have legal options available to protect your rights and work toward a favorable resolution. In the article … [Read more...]
Do I Need a Lawyer for a Credit Card Lawsuit? Here’s What You Should Know
As a debt defense attorney here in Texas, I’m familiar with the calls from clients when they realize they can use my help in a credit card lawsuit. Thomas was one of them. After putting off the call for as long as he could, one morning he reached out to me. “Chris, I didn't think it would … [Read more...]
Can a Collection Agency Sue You After 7 Years?
If you're dealing with debts, you might wonder, "Can a collection agency sue you after 7 years?" This question comes up often because many people believe that after a certain time period, debts just disappear. However, the reality is a bit more complicated. In Texas, the rules around debt collection … [Read more...]
- 1
- 2
- 3
- …
- 6
- Next Page »
