Does filing a collection defense lawsuit hurt my credit score?

No, filing a collection defense lawsuit does not hurt your credit score in Texas. This is because Texas has debt collection defense laws in place that protect consumers from being victimized by debt collection agencies. According to the Consumer Financial Protection Bureau, when consumers file a collection defense lawsuit, they are protected from the negative consequences of being sued. This includes any negative impacts to their credit score. The purpose of collection defense law in Texas is to ensure that debt collectors do not use unfair, deceptive, or abusive tactics when collecting a debt. Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which sets strict rules on how debt collectors may conduct their business. This Act also requires debt collectors to provide consumers with accurate information about their debts and the debt collection process. According to the Texas Attorney General’s Office, consumers who are subject to debt collection activities may file a complaint against a debt collector for any violation of the FDCPA. Additionally, if a debt collector has violated any of the state’s collection defense laws, the consumer may file a lawsuit against the debt collector for damages. In summary, filing a collection defense lawsuit in Texas does not hurt your credit score. This is because the state’s collection defense laws protect consumers from the potential negative consequences of being sued.

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Does filing a collection defense lawsuit hurt my credit score?

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