What type of debt is not subject to collection?

In Texas, debt collection laws provide consumer protection by regulating how debt collectors conduct their activities. However, not all debts are subject to collection. In general, debt collectors cannot sue to collect certain types of debt, such as debts that are exempt from collection by law or debts that have already been paid or discharged. Additionally, most creditors cannot sue to collect a debt that is older than four years, unless the creditor extends the time limit by filing a new lawsuit. Also, educational loans are usually exempt from collection. This means that although creditors may report educational loan debt to credit bureaus, they cannot sue to collect it. Similarly, government-backed student loans are usually not subject to collection either. Finally, consumers can also be protected from abusive debt collectors by filing bankruptcy. Bankruptcy will usually stop debt collectors from pursuing a debt. Furthermore, a bankruptcy filing can often discharge most unsecured debts, such as credit cards, medical bills, personal loans, and even some tax debts. In other words, filing for bankruptcy can make it so that creditors generally can’t collect the debt from an individual, as it would be considered discharged.

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What type of debt is not subject to collection?

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