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My Debt Collection Rights Toolkit


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My Debt Collection Rights Toolkit

Texas Appleseed offers an interactive resource with video, information, and forms to help Texans know and assert their rights in the debt collection process. The toolkit includes information and forms to help you stop harassing phone calls, challenge a debt, and respond to a debt collection lawsuit.


Is this debt collection call real or a scam?

Follow this link for tips to help you know if a debt collector is real or just someone trying to scare you into giving them money.

You can also copy and paste this link in your browser: http://mydebtcollectionrights.org/guide/debt-collection-call-real-or-scam.

What are common scare tactics debt collectors use?

Debt collectors sometimes use scare tactics to get you to pay them. Sometimes these scare tactics are illegal. Follow this link to learn how to stand up for your rights.

You can also copy and paste this link in your browser: http://mydebtcollectionrights.org/guide/common-scare-tactics-debt-collectors.

You got sued by a debt collector. Now what?

Follow this link for tips on what to do if a debt collector sues you.

You can also copy and paste this link in your browser: http://mydebtcollectionrights.org/guide/you-got-sued-debt-collector-now-what.

Are you judgment proof?

Has someone sued you for a debt and you don't think you can pay? You might be judgment proof. Being "judgment proof" means creditors can't seize your property and income because it is “exempt” by law.

Follow this link to help you see if you're judgment proof.

You can also copy and paste this link in your browser: http://mydebtcollectionrights.org/guide/am-i-judgment-proof.