Texas community resource
Debt Collection Legal Information Guide
Texas State Law Library
Public guide to Texas and federal debt-collection law, including medical debt, collection contacts, older debts, and collection lawsuits.
Information last checked:
How to get help
Identify the debt and collector, review the guide section matching the issue, preserve notices and account records, and follow current dispute, response, complaint, or court deadlines stated by the relevant source. Obtain legal advice when a lawsuit or deadline is involved.
Who this service helps
Open to the public for research; particular rights, defenses, limits, and deadlines depend on the debt, collector, court case, account history, and applicable Texas and federal law.
Where this service is available
Service area: People researching debt-collection rights and procedures in Texas, including residents and matters in Central Texas.
A service area describes where help is offered or who may be served. It is not necessarily the organization’s physical location.
Cost / fees
The online guide is free to use; mailing, records, court filing, service, and legal-service costs may apply.
About this service
The guide organizes legal information and resources concerning creditor and collector conduct, communications, time-barred debts, medical debt, responding to lawsuits, and related consumer protections.
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