What to Do if Sued by Integras Capital Recovery, LLC for Debt Collection in Texas

Have you found yourself at the receiving end of an Integras Capital Recovery, LLC lawsuit for debt collection? Many people are unfamiliar with the debt collection process and litigation, so it is normal to feel overwhelmed. However, you have legal rights and do not have to face a collection lawsuit alone. Below, our Texas debt defense lawyers discuss what you can do if sued by Integras Capital Recovery, LLC, for debt collection in Texas.

Is Integras Capital Recovery, LLC a Scam?

No, Integras Capital Recovery, LLC is not a scam company. It is a legitimate debt collection agency in Texas. It is certified by the Receivables Management Association International (RMAI). However, just because it is legitimate does not mean it has a strong case against you.

What Is Integras Capital Recovery, LLC?

Integras Capital Recovery, LLC is a debt purchaser and debt collector based in San Antonio, Texas. It buys charged-off debt accounts from creditors at minimal prices and then pursues the total amount of debt from consumers. 

For example, it may purchase defaulted credit card accounts, personal loan accounts, and other types of credit accounts. It likely buys these accounts for pennies on the dollar. Then, it pursues the total account amount from the consumer to make a profit.

Why Is Integras Capital Recovery Suing Me?

We understand you may be confused to see that some company named Integras Capital Recovery is suing you. You may have never heard of it, and you certainly did not open a credit account with it. Integras Capital Recovery is not a creditor. Instead, it is a debt buyer, buying charged-off accounts from creditors and then going after the consumers for the debt. 

If Integras Capital Recovery is suing you, it is likely because it has purchased a debt you allegedly owe. This debt could be from a credit card, a personal loan, or any other form of credit account. Your original creditor may have sold the debt to Integras Capital Recovery, LLC. Now, Integras Capital Recovery is trying to collect that debt from you.

If you are facing an Integras Capital Recovery, LLC lawsuit, you will likely hear from its lawyer rather than from the company. It often works with the San Antonio law firm Michael J Adams PC. Michael J. Adams focuses his practice on debt collection services.

What Do I Do if Being Sued by Integras Capital Recovery for a Credit Account?

If you are facing an Integras Capital Recovery lawsuit, do not panic. It is common to feel overwhelmed and stressed, but you have legal rights. More so, you likely have viable legal options to resolve the case. If you are dealing with a debt collection lawsuit:

• Do not ignore the lawsuit. This point is the most critical piece of advice we can give you. Ignoring a debt collection lawsuit will almost certainly lead to a default judgment against you. A default judgment would mean you lose the case, and Integras Capital Recovery would be entitled to the money. A default judgment can result in bank garnishment, property liens, or property seizure.
• Respond to the lawsuit. In order to protect yourself from a default judgment, you must file a formal response to the lawsuit, called an Answer, with the court handling your case. The lawsuit notice will say which court is handling your case and your response deadline. For example, if a Justice of the Peace Court handles the case, you only have 14 days to respond. 
• Demand validation of the debt. Demand that Integras Capital Recovery, LLC validates the debt and proves that the debt is yours. The burden of proof is with Integras Capital Recovery to provide detailed information about the original debt, including the original creditor’s name and the amount owed. 
• Contact a debt defense attorney. Navigating a debt collection lawsuit can be difficult. There are tight deadlines to meet, and any mistakes could result in losing the case. A debt defense attorney can provide you with guidance and representation, ensuring you protect your rights and have a strong defense. 

Can I Defeat Integras Capital Recovery, LLC in Court?

Yes, it is possible to defeat a debt collector in court. Debt collection cases, especially from debt buyers, often have weaknesses. For example, potential defenses you have to a collection lawsuit may include, but are not limited to:

• The debt is not yours. Sometimes, debt collectors cannot provide sufficient proof that the debt is yours. For example, Integras may be trying to hold you responsible for someone else’s debt because you have similar identifying information. 
• The statute of limitations expired. Creditors and debt collectors have four years to pursue litigation for debt collection in Texas. You can request that the court dismisses the case if more than four years have passed.
• The debt amount is incorrect. If you believe the alleged debt amount is wrong, you can dispute it. You can demand proof of the debt amount, and Integras Capital Recovery may not be able to provide sufficient evidence.

The list above includes only a few potential defenses to a debt collection case. An experienced debt defense attorney from our firm can assess the case against you and help identify possible defenses. 

It is also important to understand that you may have other options outside of fighting Integras Capital Recovery in court. For example, if the debt is valid, you may be able to reach a favorable settlement with the debt buyer. 

Schedule a Consultation With Our Experienced Debt Defense Attorneys

At Warren & Migliaccio, our Texas debt defense lawyers have significant experience and success in helping Texans resolve collection cases. With offices in Dallas and Richardson, we handle debt collection defense cases across the state of Texas. 

If you are being sued by Integras Capital Recovery, LLC for debt collection, we are happy to review its case against you. We welcome you to call one of our offices to schedule a consultation to discuss your situation. During a consultation, we can answer your questions and discuss your potential legal options for resolving the lawsuit. You can also submit our online contact form, and we will contact you soon to schedule a case review.