Sued for debt
in Texas?
Don't lose by default.
You have 14 days to respond to a credit-card lawsuit before the creditor wins automatically. Texas Debt Law defends consumers statewide with flat fees from $400— no hourly billing, no surprises.
We focus exclusively on Texas debt cases.
Debt Lawsuit Defense
Sued by Capital One, Midland, LVNV, Portfolio Recovery? We file your Answer, challenge the debt, and fight for dismissal or settlement.
Learn moreChapter 7 Bankruptcy
A federal fresh start that wipes most unsecured debt in 3–4 months. Texas's strong homestead protections often let you keep your home.
Learn moreFDCPA & Judgment Settlement
If a collector violated your rights or a judgment is already on file, we negotiate, settle, or pursue counterclaims.
Learn moreYou have just fourteen days.
In Texas, you generally have only 14 days from the date you're served to file an Answer. Miss that window and the creditor can win by default — opening the door to wage garnishment, frozen accounts, and lasting credit damage.
Our attorneys often file your Answer within 24–48 hours of taking your case. Most of our clients never set foot in court.
Flat fees. No hourly games.
You pay one price based on the size of the lawsuit against you. No clock running. No surprise invoices. Payment plans available.
| Amount of Lawsuit | Our Flat Legal Fee |
|---|---|
| Less than $1,000 | $400 |
| $1,001 – $2,500 | $500 |
| $2,501 – $5,000 | $750 |
| $5,001 – $7,500 | $1,000 |
| $7,501 – $10,000 | $1,250 |
| $10,001 – $12,500 | $1,500 |
| $12,501 – $15,000 | $1,750 |
| $15,001 – $20,000 | $2,000 |
| Over $20,000 | Call for Pricing |
Representation at hearings/trial may carry an additional charge. Flexible payment plans available.
Texas debt cases are all we do.
Most law firms dabble in debt defense alongside personal injury, family law, criminal — anything that walks in. We don't. We focus exclusively on defending Texans against creditor lawsuits.
Texas-only focus
We know the JP, County, and District courts across Texas — and the procedural quirks of each.
Flat fees from $400
No hourly billing. No retainer surprises. You know the price before we start.
Thousands handled
We move quickly to get cases dismissed or settled — often without you ever appearing in court.
Free case review
We'll review your lawsuit documents, explain your options, and lay out a strategy at no charge.
Local court knowledge
Procedures, judges, and creditor tactics in Texas courts are not the same as everywhere else.
7 days a week
Open 8am–6pm every day. Virtual consultations available statewide.
A team that answers every call.
Twenty agents, three attorneys, one focus: Texas debt defense. Seven days a week, 8 to 6. If the phone rings while you're reading this, someone picks it up.
From the firm's desk.
How to Reopen a Default Judgment in Texas: Step-by-Step Guide
Missed the deadline to respond to a debt lawsuit? You may still have options to set aside a default judgment under Texas law.
How to Negotiate with Debt Collectors in Texas: 5 Steps
Five practical steps to confidently handle debt collectors and reach a fair agreement without making costly mistakes.
Top Debt Buyers in Texas Lawsuits: Who You Should Know
LVNV Funding, Portfolio Recovery, Midland — knowing your opponent is the first step to fighting back.