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Texas Debt Relief Laws

Texas Financial Code Annotated Sections 392.001 to 392.404 and 396.001 to 396.353 is very similar to the federal Fair Debt Collection Practices Act. (FDCP). Some important highlights include:

  • Debt collector cannot publish or post your name
  • Collectors may only contact debtors between 8am and 9pm unless you indicate otherwise
  • If you are being represented by an attorney, the debt collector must communicate with you through your lawyer
  • Creditor initiated calls must be made between the hours of 8am and 9pm (unless you indicate otherwise)
  • Collectors must send all correspondence in an unmarked envelope--no postcards or stamps outside the envelope indicating it is from a collections agency
  • The collector cannot misrepresent documents by making correspondence appear to be legal documents when its not
  • Collectors cannot charge you fees or collect an amount greater than what you owe
  • Debt can be disputed in writing within 30 days of receiving the first notice--the collector cannot contact you again until your notification mails

Texas consumers can sue debt collection agencies that violate the law. Additionally, consumers can seek retribution under the Fair Debt Collection Practices Act (FDCPA).

Texas Statue of Limitations (SOL)

Texas has a four-year statue of limitation (SOL) on open accounts such as credit cards, meaning that the creditor can contact you for up to four years. For written contracts creditors can also pursue you for up to four years. Consumers can consider Texas debt settlement during the time the account remains open.

Texas provides protection for non-income source garnishment. Here are some areas that are protected:

  • Pensions: government employee and tax-deferred retirement benefits are protected in Texas
  • Public benefits/assistance-- include are workers’ compensation, unemployment compensation, aid to the blind and disabled, aid to families with dependent children and medical assistance
  • Insurance and annuity protection--since not all insurance and annuities are protected, debtors are urged to contact an attorney to determine exemption

Texas Credit Card Debt Relief Act of 2010

The Credit Card Debt Relief Act of 2010 has streamlined the methods for repaying debt and regulated how collectors work with debtors. The Act has impacted debt relief collections several ways:

  • The number of fraudulent or weak performing credit card companies are gone
  • Reduces the chances of falling victim to fraudulent debt settlement companies due to new Federal Trade Commission (FTC) reforms
  • Increased, open communication from creditors--more information is provided to help you eliminate your loans
  • Debt settlement companies cannot request upfront fees from clients

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