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...]
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...]
What Happens if a Debt Collector Takes You to Court
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...]
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...]
