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...]
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...]
