What if you had a strong legal defense to a debt lawsuit—and didn’t even know it?
Every year, thousands of Texans are sued for unpaid debt.

Debt collectors often assume that if they sue, we’ll either ignore it or panic and agree to whatever they demand. But that’s not always how it ends. With the right legal guidance, we can stop debt collectors from pushing us around—and sometimes even get the lawsuit dismissed entirely.

If you’re being sued over a personal loan or credit card, the Law Office of Joel Gonzalez helps people fight back. As a debt collection relief attorney in Texas, Joel helps clients push back when collectors go too far or break the rules.

This article covers the most common defenses you can raise in a debt collection lawsuit—and how they can work in your favor.

1. They Sued the Wrong Person

It’s more common than most of us think. A debt collector might confuse people with similar names, or file a case against someone who was just an authorized user—not the account holder. If the debt isn’t yours, say so clearly and request that they prove it.

2. Lack of Proper Documentation

Many lawsuits over unpaid debt are filed with little or no evidence. Collectors must prove:

  • You owe the exact amount claimed
  • They have the right to collect
  • The account belongs to you

If they can’t, we can ask the court to dismiss the case.

Learn why ignoring debt collectors can cost you. (Please link to LFPA3)

3. Statute of Limitations Has Passed

In Texas, creditors generally have four years to sue on most types of debt. If they file after that window, we can raise the expired time limit as a defense.

4. You Already Paid the Debt

Sometimes, accounts are sold multiple times. A medical debt collection agency might sue without knowing the balance was already paid—or settled. Keep all records and payment confirmations.

5. Improper Service of Lawsuit

If you never received notice of the lawsuit properly (according to Texas rules), that may be a defense. Courts can throw out judgments if we prove the process was flawed.

6. You Were Harassed or Misled

If a collector violated the Texas Debt Collection Act—like using threats, calling repeatedly, or lying about what you owe—that could help us stop debt collection harassment and even counter-sue in some cases.

A man harassing another man
In the face of relentless debt collection harassment, seeking relief is not only a matter of financial necessity but also a fundamental right

Ready to Push Back Against a Debt Collection Lawsuit in Corpus Christi?

Are debt collectors counting on you to stay silent? Don’t give them the win they’re hoping for. Whether it’s a credit card claim or a medical collection issue, you may have strong legal defenses you haven’t considered. At the Law Office of Joel Gonzalez, we help people defend against debt collection lawsuits and get relief from collection harassment.

Contact us today to see how we can help stop debt collectors from taking advantage of you—and put you back in control of your case.