Who doesn’t like a little free advice especially when it comes from a legal expert that can help you understand difficult situations and what is allowed under Texas law. If you are being hounded by credit agencies for past due bills but think that the company might be overstepping allowable limits then you should immediately get on your computer and check out reliable legal sites that address this issue.
It is important to know about Texas debt collection laws because creditors will often use ignorance to their advantage because they don’t expect individuals to take time and check their actions. There are reputable agencies that handle accounts in a professional manner but there are also vendors that will use every trick in the book to try and get people to pay on their accounts. You should always have the facts so you can let them know that you are an aware citizen and have legal support should they continue with their illegal behavior.
Some notes to consider: debtors cannot make threats regarding items that they cannot action which means in Texas they can’t threaten to garnish wages or take someone’s home nor can they make idle threats about legal action such as suing. If you want them to stop calling then you have to send them something in writing and while they legally have to cease communication, this does not resolve the issue of the debt that is owed. For those times when you are being contacted about a debt you don’t owe it is best to send them a letter and they cannot call you unless they send proof of the debt. Specialized legal attorneys are a great resource when you need to fight to prove that the account is not yours and needs to be cleared from your record.
Quality legal firms desire to help individuals out through any means necessary so they let you know about Texas debt collection laws through their website or schedule an initial consultation with them. You can explain the situation and they can provide legal recommendations that will assist in getting you the help you need.