Texas statute of limitations debt is implemented all over the USA to protect the debtors from any kind of harassment.  These come in aid when the methods of collecting debts do not follow civil ways. In the state of Texas, these laws are very strict. In the State of Texas, there are statute of limitations on judgments in Texas for pursuing or collecting a debt. This term comes under DUI or DWI Attorneys that you may hire when driving offence hit while intoxicated.

Texas Statute of limitations debt– Silent features

The federal laws makers established the Federal Debt Collection Practices Act in order to protect the debtors from the statute of limitations on commercial debt in Texas :

  • Scope of FDCPA: Unlike federal laws in Texas the state laws are applicable to anyone who collects debts, regardless of their work permit.
  • Time period: In Texas, a debt collector only has a period of 4 years to collect the debt. The Texas debt collection act actually works like a statute of limitations for the same.
  • Legal Actions: If a debt collector wishes to take any legal step he or she must do so it within the 4-year time frame. Beyond that, the validity of the complaint against a debtor is considered to be over, and no legal steps can be taken.

What is the Statute of Limitations on debt in Texas?- Crossing periods, and debtor issue

The Texas statute of limitations on personal loans prevents debt collectors from implementing any abusive behaviors. But what to do when the debt is time-barred, and you are being sued for that? In this case we need to know first actually What Is The Statute of Limitations on Debt in Texas?

  • Correct Information: You can verify whether your debt is time-barred or not. Since a time-barred debt will not allow a collector to sue you some of them might not disclose the fact to you. Also, ask the collector what date is displayed as your last payment because depending on that the statute of limitations will be counted. 

If you do not receive a response from the collector send a letter within thirty days of receiving your notice of the debt. Ask for verification and retain its copy for reference to Texas statute of limitations debt.

  • Defend your actions: When you are sued for a time-barred debt make sure you stand in defense of yourself. Take proper legal help. 
  • Know your rights: It is illegal for a collector to sue you or bother you on a time-barred debt. If you feel the collector has violated the law you have the right to file a complaint against the person.
Statute of Limitations Texas Debt
Statute of Limitations Texas Debt

Statute of Limitations Texas debt- Legal help to avail

The following are some of the best law firms in Texas working with Texas statute of limitations debt :

  1. Weston Legal, PLLC: Throughout they have helped thousands of clients to see debt settlements. The perfect 10.0 rating Avvo shows that they are dependable and responsive. Clients have given very positive reviews about this firm.
  2. Law Office of David A. Fernandez, PC: They are the most popular law farm for statute of limitations Texas debt. They have been helping clients since 1992. Their service for clients has no comparison. They provide advice and help their clients to see maximum recovery.
  3. Johnson & Bryan Law Firm PLLC: The client boasts of saving almost 6000 clients and providing the best service to them. They assess each case carefully and leave no stone unturned when it comes to helping their clients.
  4. Kaplan & Moon, PLLC: They are popular among clients for the negotiating ability that they use in order to build up a strong case for the client. The experience that the attorneys have here is unparalleled.
  5. Law Offices of Chance M. McGhee: They are one of the most experienced law firms in the business. They take time to individually study each case in order to provide the best assessment for their clients.

Paying your debt is your social responsibility. But that does not give anybody a right to harass or threaten you. In case you are facing undue violence make sure you look for legal help. For further information on the Texas statute of limitations debt do follow the link or checkout our home page for more.