You are here:
Collections Law/debt laws
Advertisement
Question
In Texas can a collection/law firm take legal action against me civil court for credit card debt? If they can sue would it be a civil suit? I get calls daily from several of these collection/law firms who say they are going to pursue legal action if I don't settle or pay them a large monthly payment for unsecured credit cards. I have offered to make small monthly payments but they refused the amount.
Dear Sir or Madam:
Yes, a law firm can sue you in Texas for an unsecured credit card debt. However, they cannot garnish wages or attach property so far as I am aware. Therefore, the likelyhood of them doing so is rather remote. However, it would be a civil action should they elect to proceed.
Apex Credit Services, LLC
Related Articles
Answers by Expert:
Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Organizations
Better Business Bureau
Publications
Education/Credentials
Education/Credentials
Past/Present Clients
Flagstar Bank
Chase Bank
Past/Present Clients
Flagstar Bank
Chase Bank
©2012 About.com, a part of The New York Times Company. All rights reserved.