This research guide provides information about debt collection practices, relevant Texas and federal laws, and other information that may help you understand the debt collection process. It includes links to resources that explain the law in "plain English", agencies who may be able to help and articles with more information on the topic.
House Bill 996, relating to the collection of consumer debt by debt buyers, takes effect on Sept. 1st, 2019. This new law prohibits a debt buyer from taking certain actions once the limitations period (“statute of limitations”) has expired. It also includes protections against “reviving” or re-aging the statute of limitations.
For more information, see this article from CBS Austin that explains the new law: “New state law will soon stop debt collectors from harassing you over old debts”.
Below you will find references to areas of the Texas Finance Code and the United States Code (USC) that govern debt collection. If you find these statutes difficult to understand, you may want to view the "plain English" resources on this page or speak to an attorney.
Because Texas and federal law may not be easy to understand, below you'll find a collection of resources that help to explain the law in "plain English."
Many of the e-books available through the State Law Library contain forms or drafting guides. Below are some e-book titles that may help you with your research on debt collection.
Please contact the agencies below, if you need to file a complaint, get assistance, find more information or just want to get answers to your financial questions.