Debt Collection Laws for Businesses That Owe Money

Using fraudulent series strategies, consisting of:

the use of a false call or identification

misrepresenting the quantity of the debt or its judicial popularity

sending files to a debtor that falsely appear like from a courtroom or other legitimate company

failing to discover who holds the debt

misrepresenting the nature of the services rendered by the collection company or the collector

falsely representing that the collector has records or something of value which will discover information about the consumer

Trying to gather extra than the amount firstly agreed upon. (But keep in mind: your debt can grow by way of the addition of fees — e.G., collection expenses, attorney costs, and many others.).

Violators of the Texas Debt Collection Act are concern to crook and civil consequences. If you believe you studied you have got been harassed or deceived, you can even are looking for injunctions and damages in opposition to debt creditors.

These movements also are violations of the Texas Deceptive Trade Practices/Consumer Protection Act, which gives the Attorney General the authority to do so inside the public hobby.

File a Complaint

If You Dispute a Debt

If you dispute the legitimacy of some thing on your debt collector’s report, you need to give the collector written notice. Simply calling the collector won’t quit series sports.

If viable, ship your dispute letter by means of licensed mail (with “return receipt asked”) so that you comprehend it turned into officially received via the collector. The collector then has 30 days to determine whether or now not the disputed object is accurate Commercial Collection Attorney.

If the disputed item is accurate…

The debt collector can preserve collection sports.

If the disputed object is inaccurate…

It need to be corrected. The debt collector have to notify everyone who has already received a report containing the wrong item. If, at the give up of 30 days, the debt collector has no longer been able to determine whether or not the object is correct or now not, they need to make the alternate you asked and notify all people who received a report containing the wrong object.