Facing a debt collector in court is stressful. Nobody wants to be in this situation. Getting a notice that a debt collector is taking you to court can feel overwhelming. It raises questions about what happens next. It is crucial to accept delivery of legal notices to avoid default judgments, … [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 When a Collection Agency Threatening to Sue In Texas
Is a collection agency threatening to sue you? This can be stressful, but taking the right steps can help. This article covers how to verify the debt, respond appropriately, and understand your legal rights and protections. Key Takeaways Verify any debt collection claim quickly by … [Read more...]
Statute of Limitations on Debt After Death in Texas: What Executors and Heirs Need to Know
Sorting out a loved one’s debts after they die can feel overwhelming. In Texas, the statute of limitations for collecting most debts after someone’s death is four years from the original due date, during which creditors can seek payment from the deceased's estate. This gives creditors a limited … [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...]
Facing a Credit Acceptance Lawsuit: What Do I Do if Sued in Texas?
We understand that being sued by Credit Acceptance Corporation can be a stressful experience, especially when you are already dealing with financial challenges. You may wonder, “Credit Acceptance is suing me for debt collection. What should I do?” In the article below, our Texas debt collection … [Read more...]
What Happens If You Ignore a Lawsuit? A Guide
Facing a lawsuit can be scary. Many people wonder what happens if you ignore a lawsuit, hoping it will just disappear. Ignoring a debt collection lawsuit can lead to serious financial trouble. This post covers what happens if you ignore a lawsuit, focusing on debt collection cases. A lawsuit … [Read more...]
What to Do if Facing a Midland Credit Management Lawsuit in Texas
If you have received a lawsuit from Midland Credit Management (MCM) in Texas, you are not alone. Midland Credit Management is one of the largest debt collectors in the country, and it frequently files lawsuits against consumers in an attempt to collect on debts. If you find yourself facing a Midland … [Read more...]
How to Get Out of Debt on a Low Income: 10 Proven Strategies
As an attorney specializing in debt defense and bankruptcy law in Texas, I often meet clients with limited income who are overwhelmed by debt. It’s not because they’ve made poor financial choices but because of the rising cost of living. Many, like Wilson, don’t want to file for bankruptcy—they just … [Read more...]
What to Do If Sued by Portfolio Recovery Associates
If you’re sued by Portfolio Recovery Associates in Texas, act fast: file an Answer by 14 days in Justice Court or by 10:00 a.m. on the Monday after 20 days in County/District Court. Deny unproven claims, demand validation, and consult a debt-defense lawyer to avoid default. Quick Answer: … [Read more...]
