Texas Debt Collection Act

The Texas Debt Collection Act provides wide protection to Texas residents who have been contacted by consumer debt collectors. Under the Texas Debt Collection Act, debt collectors are restricted from using abusive practices when collecting any consumer debts, such as mortgage, auto, and credit card payments. If you feel that you have been subjected to abusive debt collection practices contact FRENKEL & FRENKEL today!

The Texas Debt Collection Act prohibits essentially the same illegal practices as the federal Fair Debt Collection Practices Act. One critical difference, however, is that the Texas law applies to individuals attempting to collect a debt, whereas the federal law applies only to professional collectors.

With the enactment of the Texas Debt Collection Act, Texas consumers are given high levels of protection against many commonly used abusive practices. For instance, Texas debt collectors cannot:

Place telephone calls without disclosing the name of the individual making the call or with the intent to annoy, harass, or threaten a person at the called number;
Use threats of violence or use obscene or profane language;
Collect or attempt to collect additional fees or expenses unless expressly authorized by the agreement that creates the obligation;
Accuse falsely or threaten to accuse falsely a person of fraud or any other crime;
Threaten that nonpayment of a consumer debt will result in the seizure, repossession, or sale of the person's property without proper court proceedings.

Violators of the Texas Debt Collection Act are subject to criminal and civil penalties. Consumers who think they have been harassed or deceived may seek injunctions and damages against debt collectors. If believe you have been the victim of unfair debt collection practices, please contact FRENKEL & FRENKEL at 1-800-834-0000 today! You may be entitled to hundreds or even thousands of dollars in damages!

The Debt Collection information offered by Frenkel & Frenkel (Dallas, Texas) through the Debt Collection Abuse claimants' rights website is general in scope. No attorney client relationship with Frenkel & Frenkel (Dallas, Texas) or its attorneys for Debt Collection Abuse or other legal matters is hereby formed nor is the information herein intended as formal legal advice regarding Debt Collection Abuse and Harassment in Texas. Please contact a Dallas, Texas Debt Collection Abuse and Harassment lawyer regarding your specific inquiry