What happens when phone calls, letters, and threats from debt collectors go from stressful to abusive? For many Texans, constant pressure from collectors can take a serious emotional toll.

When debt collectors cross the line, Texas law offers powerful protections. For those struggling with harassment or a looming debt collection lawsuit, legal guidance from a qualified debt collection relief attorney in Texas can help stop these tactics and assert your rights under the law.

This article outlines your rights under federal and state law, explains how to identify abusive collection practices, and discusses how legal action can stop debt collectors who refuse to follow the rules.

Your Legal Rights Under Federal and Texas Law

Both federal and Texas laws prohibit abusive debt collection. The Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) protect consumers from threats, false statements, and harassment. Collectors who violate these laws can face penalties and lawsuits.

Key protections include:

  • No threats or intimidation:Collectors cannot threaten arrest, legal action they cannot take, or public exposure.
  • No repeated or late-night calls:Contacting someone excessively or outside reasonable hours is prohibited.
  • No false or misleading statements:Collectors must provide accurate information about the debt and identify themselves truthfully.
  • Written verification rights:Consumers have the right to request written proof that a debt is valid before any further collection continues.

Understanding these rights helps Texans respond confidently when harassment begins.

Recognizing Harassment and Illegal Conduct

Debt collectors sometimes disguise harassment as persistence. Here are warning signs that a collector may be violating your rights:

  • Repeated calls after you’ve asked them to stop.
  • Contacting your family, friends, or workplace about your debt.
  • Using threatening or obscene language.
  • Attempting to collect a debt past the statute of limitations (typically four years in Texas).

When any of these behaviors occur, consumers can take action to stop debt collection harassment immediately by filing complaints or consulting a consumer protection attorney.

Taking Action to Stop Debt Collectors

If a collector’s conduct violates your rights, there are several steps you can take:

  • Request written communication only.Send a certified letter demanding that the collector stop calling you.
  • Keep detailed records.Save voicemails, letters, and logs of call times and dates.
  • Report violations.File complaints with the Texas Attorney General’s Office or the CFPB.
  • Consult an attorney.A knowledgeable lawyer can assess whether a collector has broken the law and help you pursue relief.

In some cases, legal representation can also help with defending against a debt collection lawsuit in Corpus Christi or elsewhere in Texas.

Standing Up for Your Rights with Legal Support

Have collectors crossed the line? Texans don’t have to face harassment in silence. The Law Office of Joel Gonzalez helps individuals assert their rights under Texas and federal law and pursue relief from abusive collection practices. Attorney Joel Gonzalez offers personal, one-on-one guidance to help clients stop illegal contact, defend against lawsuits, and seek peace of mind.

To learn how he can help you stop debt collectors and regain control of your situation, contact the Law Office of Joel Gonzalez today.