Texas Debt Settlement.

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives: 
(866) 910-9081

We specialize in:

• Unsecured credit card debt
• Medical bills
• Department store accounts
• Furniture loan payments
• Signature loans
• Overdraft agreements
• Collection accounts
• Balances owed on repossessions
• Old utility bills

Important Texas Debt Settlement and Debt Consolidation Laws.
(Note: This is only to be used as an informational debt resource for residence of Texas and should not be considered and does not constitute legal advice.  If you are looking for legal advice contact a licensed attorney in Texas)

Texas (TX) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts.  These laws are known as the Fair Debt Collection Practices Act (FDCPA)

Texas Notes

The Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).

-Original creditor and creditor collecting own debt cannot:

-attempt to convince the debtor to agree that debt was incurred to pay for necessaries of life when debt was not for that purpose

-attempt to collect a collection agency's fee, unless authorized in the original agreement

-claim it has something of value in its possession in an attempt to lure the debtor

Any violations are classified as a misdemeanor punishable by a fine of not less than $100 or more than $500 for each violation, and the defendant is entitled to reasonable attorney fees.

The statute of limitations for any violations from the date the violation occurred is one year.

Texas Debt Law

Maximum Interest Rate a Collection Agency Can Charge in Texas is 6%

Texas Wage Protection is 100%

Statue of Limitations.
The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated.  With debt, the statues of limitation apply to the time period after you have become past due on your payments.  In other words, you are not considered delinquent based on your last payment, but rather the day that you went past due.


Oral Agreements: 4 years
Written Contracts: 4 years
Promissory Notes: 4 years
Open Accounts (credit cards) 4 years

Bankruptcy Courts

306 Federal Building
1205 Texas Avenue
Lubbock, TX 79401-4002

624 S. Polk - Suite 100
Amarillo, TX 79101-2389

Earle Cabell Building, U.S. Courthouse
1100 Commerce Street - Room 1254
Dallas, TX 75242

Eldon B. Mahon U.S. Courthouse
501 W. Tenth Street
Fort Worth, TX 76102-3643

U.S. Bankruptcy Court
200 E. Ferguson St.
Tyler, TX 75702

U.S. Bankruptcy Court
660 N. Central Expressway
Plano, TX 75074

10501 U.S. Courthouse
515 Rusk Ave.
Houston, TX 77002.

U.S. Bankruptcy Court
615 Leopard St., Ste 110
Corpus Christi, TX 78476

U.S. Bankruptcy Court
903 San Jacinto Blvd., Ste 332
Austin, TX 78701

615 East Houston St., Ste 383
P.O. Box 1439
San Antonio, TX 78295

U.S. Bankruptcy Court
800 Franklin Avenue, #140
Waco, TX 76701

Clerks:
George D. Prentice, II
Bankruptcy Clerk
P.O. Box 1439
San Antonio, TX 78295
               (210) 472-5187        

Cynthia Gutierrez
Deputy in Charge
U.S. Bankruptcy Court
903 San Jacinto Blvd. #322
Austin, TX 78701
               (512) 916-5238        

Mark Vargas
Deputy in Charge
U.S. Bankruptcy Court
8515 Lockheed
El Paso, TX 79925
               (915) 779-7362        

Christy L. Carouth
Deputy in Charge
U.S. Bankruptcy Court
100 E. Wall St., Rm. P163
Midland, TX 79701