Are the courts finally pushing back against aggressive debt collectors? That’s the question on the minds of many Texans as lawsuits over unpaid debts—from credit cards to car loans—continue to flood court dockets.
If you’re one of the many Texans being sued over old credit cards, auto loans, or even hospital bills, there’s good reason to pay attention to how courts are ruling right now. At the Law Office of Joel Gonzalez, we focus on helping people protect their rights when debt collectors cross the line. Recent changes in the way judges are handling these cases are creating new opportunities to fight back—and win.
This post breaks down how Texas courts are responding to common debt collection tactics and what that could mean for your case, especially if you’re facing legal action or harassment.
Texas Judges Are Scrutinizing Debt Buyer Lawsuits
More courts across Texas are demanding stricter proof from debt buyers—companies that purchase old debt and try to collect it for profit. Judges are no longer rubber-stamping lawsuits when:
- The plaintiff can’t show proper documentation linking you to the original account.
- They sue after the statute of limitations has expired.
- The debt has been resold multiple times with missing or unclear records.
We’re seeing cases dismissed simply because these medical debt collection agencies or credit card companies don’t have the paperwork to back their claims.
Aggressive Collection Tactics Are Being Questioned
Judges are also pushing back against bullying tactics:
- Collection calls after legal notice has been filed.
- Repossession threats made without following proper procedures.
- Filing lawsuits in the wrong jurisdiction to confuse or intimidate.
These practices can lead to cases being thrown out—or even sanctions for collectors.
Facing a Lawsuit? Here’s What You Can Do
If you’re being sued over a credit card balance, vehicle loan, or hospital bill, here’s how to respond:
- Do not ignore the summons.A default judgment can damage your credit and lead to further legal trouble.
- Check the paperwork.Many debt collection lawsuits are missing critical documents.
- Track the timeline.Some debts are too old to be collected through the courts.
- Know your rights.You can stop debt collection harassment and hold collectors accountable.
Why Legal Help Makes a Difference Right Now
Wondering how to fight back when a medical bill turns into a court summons? Or when you’re being sued by a company you’ve never heard of over an old credit card? That’s where the right legal help matters.
At the Law Office of Joel Gonzalez, we focus on protecting people just like you from unfair lawsuits and harassment. As a debt collection relief attorney in Texas, Joel Gonzalez understands how to challenge weak cases and help you seek real debt relief. Whether you’re dealing with a debt collection lawsuit in Corpus Christi or need help to stop debt collectors from crossing the line, we’re ready to help you push back.
Contact us today to learn how we can help you respond to legal threats, protect your property, and move forward with confidence.
