What steps should I take if I am the target of a lawsuit by a debt collector?

If you are the target of a lawsuit by a debt collector in Texas, there are several steps you should take to protect yourself. First, review the documents you have been provided that contain information about the debt collection lawsuit. Make sure to pay close attention to the instructions on the document that includes information about when, where, and how to respond to the lawsuit. Second, contact an attorney familiar with Texas Collection Defense Law for advice. An attorney can provide you with legal advice and assistance in helping you determine your options. Third, determine your legal options. You may be able to challenge the debt in court, ask for a settlement, or file for bankruptcy to erase the debt. Fourth, if you are unable to reach a settlement with the debt collector, you will need to file a written response to the lawsuit before the specified deadline. This response should include information about why you deny the debt and any applicable Texas Collection Defense Law provisions that support your defense. Finally, if the debt collector pursues the lawsuit after you have filed a response, you should attend any scheduled court hearings. At these hearings, you can present evidence and make arguments in support of your defense. If you take the above steps, you should be able to effectively defend yourself from a debt collection lawsuit in Texas.

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What steps should I take if I am the target of a lawsuit by a debt collector?

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