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...]
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...]
Abstract of Judgement Texas: How a Simple Filing Becomes a Powerful Lien on Your Property
In Texas, a certified one-page abstract of judgment recorded with the county clerk immediately becomes a judgment lien on all non-exempt real property you own—or later buy—in that county. The lien usually lasts ten years and can often be renewed before it expires. Introduction Received notice … [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 Happens When a Credit Card Company Sues You in Texas: What to Do
When a credit card company sues you for unpaid credit card debt they’ve decided to take legal action to collect the debt you owe. This type of legal action is called a debt collection lawsuit and ignoring it can have severe consequences. This article will walk you through what happens when a credit … [Read more...]
What to Do if JP Morgan Chase Bank, N.A. Files a Chase Credit Card Lawsuit Against You
If JPMorgan Chase Bank, N.A. sues you for a Chase credit card debt in Texas, don’t panic, but don’t ignore it. Carefully read your papers to make sure they are legitimate court documents and not scams, mark your response deadline, and talk with a Texas debt-defense lawyer right away so you can … [Read more...]
What to Do if Facing an Atlas Credit Lawsuit in Texas
If Atlas Credit is suing you in Texas, file a timely Answer to avoid a default judgment and require Atlas Credit to prove the debt. Your deadline depends on the court listed on your citation. After you respond, you can evaluate options like settlement, bankruptcy, or another resolution based on your … [Read more...]
Credit Card Company Sues You: First Steps
Can a credit card company sue you? And what can I do about this legal action? These are questions we get quite often at our law office. Being served with a lawsuit for unpaid credit card debt is a startling and scary experience. Whether you’ve been served by the original creditor (the credit card … [Read more...]
