Texas Free Legal Forms, Law, Pro Bono Help Finder, and Resources

Debt Collection, Garnishment, and Reposession

Legal Resources

This section provides good guides and publications on the following subjects:

Debt Collection: The process that creditors use to try and get funds they feel is owed to them by debtors.

Garnishment: When a creditor gets a court order to take funds directly from income (ex: work paycheck) to get back funds owed to them by a debtor.

Repossession:  The act of taking back a piece of property that was used as collateral by a debtor to borrow funds from a creditor.

  • Freezing Bank Accounts for Debt Payment & Template to Respond PDF

    If you have been sued on a debt, AND there has been a judgement issued against you, it's possible that your bank account can be frozen and funds transferred to the debt collector against your will. However, some bank accounts only hold funds that are EXEMPT from this forced transfer, such as social security. Click here for a brief summary of the law and a template to send your bank if you believe you might be at risk of this. Content Detail

    By:
    Legal Hotline for Texans
  • Repayment, Debt Harrassment & Laws to Protect You

    Texas Attorney General's Office Explains pay off plans, contacting collectors, laws prohibiting debt collectors from harassing you to collect or implying they will do things that are illegal or fraudulent. Click this link to find out more about your rights and options. Content Detail

    By:
    Texas Attorney General
    Read this in:
    Spanish / Español
  • Beware of Debt Relief Scams - Contact Gov't Resources

    What debt relief and mortgage relief companies can and cannot do under the law, what to watch out for, and reliable agencies and free resources you can use instead. Content Detail

    By:
    National Consumer Law Center
    Read this in:
    Spanish / Español
  • Cease & Desist Letter Template, Debt Nullification & Places that Can Help

    The National Consumer Law Center explains in a brief pamphlet: options to nullify or reduce debt, government agencies to report harassment by debt collectors, and provides a template you can follow to type up your own official and legal Cease & Desist Letter to stop harassing calls and threats. Content Detail

    By:
    National Consumer Law Center
    Read this in:
    Spanish / Español
  • Full Text of the Fair Debt Collections Practices Act (FDCPA)

    Read the full contents of the law protecting consumers from debt collection abuses. Content Detail

    By:
    The Federal Trade Commission
  • Developing Law on Wrong Number Robo Calls

    The debt collection and banking industries want the FCC to allow “wrong party” robocalls to cell phones, which could subject innocent bystanders to intrusive calls and texts if the caller obtains a number previously owned by someone else or if a debt collector associates a number with the wrong person. The NACA and other consumer advocacy groups are gaining traction in opposing this change. Read More

    By:
    National Association of Consumer Advocates (NACA)
  • Student Loan Deferment Packet

    A deferment is a way to postpone paying back your student loans for a certain period of time. This packet contains information about the federal student loan unemployment deferment. Click this link for more information and a self packet to help you, now! Content Detail

    By:
    Student Loan Borrower Assistance
    Read this in:
    Spanish / Español