Have you been served papers about a debt you thought had gone quiet? You’re not alone. Every year, thousands of Texans face lawsuits over unpaid credit cards, personal loans, or bills from a medical debt collection agency. When the legal notice comes, it’s easy to freeze or panic—but ignoring it is the worst thing you can do.

At the Law Office of Joel Gonzalez, we help people respond strategically when facing debt-related legal pressure. Whether it’s about stopping debt collection harassment or finding real debt collection relief in Texas, the key is to act quickly and stay informed.

This guide walks through what to do if you’re sued for debt, common defenses that may apply, and whether bankruptcy or settlement makes the most sense.

Step 1: Read the Lawsuit Carefully

The lawsuit will typically include:

  • The name of the creditor or medical debt collection agency
  • The amount they claim you owe
  • Deadlines for filing a response (often 14–20 days in Texas)

Don’t assume the debt is valid. Check dates, names, and amounts closely. Debt buyers often sue for amounts that are inflated, already paid, or past the statute of limitations.

Step 2: Respond Before the Deadline

You must file an official “Answer” with the court before the deadline. Skipping this step means the collector can win by default—even if the debt isn’t legitimate.

In your Answer, you can:

Deny the claims against you

  • Request proof of the debt and ownership of the account
  • Raise defenses if the claim is invalid or too old

Step 3: Know Your Legal Defenses

Texas law gives consumers a few strong defenses against unfair lawsuits:

  • Statute of limitations has expired(typically 4 years for most debts)
  • No proof of ownershipby the collector suing you
  • Debt already paid or settled
  • Incorrect identity or wrong person sued

If the collector can’t prove their case, they may drop the lawsuit entirely.

Step 4: Consider Your Resolution Options

Once the lawsuit is filed, you still have options beyond court.

Settlement:

  • May reduce what you owe
  • Can help avoid a judgment on your record
  • Often works best if you can pay a lump sum or a few large payments

Bankruptcy:

  • Can legally stop debt collectors and lawsuits
  • May wipe out unsecured debt like credit cards or medical bills
  • Works especially well when you have multiple debts or can’t afford a settlement

Talking to a debt collection relief attorney in Texas can help you understand which path makes the most sense for your situation.

Step 5: Protect Yourself from Ongoing Collection Pressure

Even while the case is pending, some collectors keep calling. If you’re being harassed, you have rights.

  • Ask for written proof of the debt
  • Request all communication in writing
  • Keep a record of every contact

There are legal ways to stop debt collection harassment and hold collectors accountable if they break the rules.

Is the Lawsuit Getting Too Real to Handle Alone?

If you’re being sued for debt and don’t know what to do next, it’s time to get real help. The Law Office of Joel Gonzalez focuses on helping Texans fight back against unfair lawsuits and aggressive collection practices.

Whether you’re dealing with a debt collection lawsuit in Corpus Christi or feeling stuck under a pile of unpaid bills, we’ll help you figure out your next best move—whether that’s bankruptcy or something else. Reach out today to schedule a consultation and finally get some breathing room.