What is collection defense law?
Collection defense law is a legal framework in Texas that allows consumers to protect themselves against debt collection practices that violate state and federal laws. Collection defense law provides consumers with protections against debt collectors. Debt collectors are not allowed to harass, threaten, or oppress consumers, and any debt collection practices that violate state or federal law can be challenged in court. Collection defense law requires that all debt collectors provide consumers with a written statement detailing the amount of the debt, the creditors name, and how to dispute the debt. Debt collectors are also prohibited from using false or misleading statements to collect a debt. Additionally, debt collectors must identify themselves as a debt collector when communicating with debtors. Collection defense law also protects consumers from being sued in court for debt collection. In order to sue a consumer in court, a debt collector must first provide the consumer with a valid summons or a court order. Finally, collection defense law protects consumers from wage garnishment and other illegal debt collection practices. Debt collectors are prohibited from taking any money out of a consumer’s bank account or wage without first receiving a court order. Additionally, consumers are allowed to dispute debts by raising objections within 30 days of receiving a court order.
Related FAQs
Who can I hire to represent me in a collection defense law case?Can I file a lawsuit against a debt collector in violation of the Fair Debt Collection Practices Act (FDCPA)?
What is a debt collection scam?
How do I dispute inaccurate information on my credit report?
What is a debt validation notice?
What rights do I have under the Fair Debt Collection Practices Act (FDCPA)?
Can a debt collector contact me at work?
What happens if a debt collector has filed a lawsuit against me?
What is considered a reasonable collection fee?
What remedies are available if a debt collector does not follow the Fair Debt Collection Practices Act (FDCPA)?
Related Blog Posts
A Beginner's Guide to Collection Defense: What You Need to Know - July 31, 2023What is the Fair Debt Collection Practices Act and How Does It Affect Your Rights? - August 7, 2023
How to Challenge Unfair Collection Tactics - August 14, 2023
Common Collection Defense Strategies that Could Help Your Case - August 21, 2023
Understand Your Rights: What You Need to Know About Collection Defense Law - August 28, 2023