Our use of cookies

We use cookies and other technologies to process personal data for the following purposes: Store and/or access information on a device, Measure content performance, Apply market research to generate audience insights, Develop and improve products.Privacy Policy

Credit Card Debt Lawyers Texas

Did you know the average credit card debt in Texas is $6,033? The credit card debt is something the average Texas citizen can’t escape from. This debt is one of the highest scores in the country. However, these unpaid balances can be repaid in an affordable payment plan through Chapter 13 and it wll allow you to better structure your finances in the future.

Explore Credit Card Deb

How to Pay off Credit Card Debt in Dallas, Texas


Statute of Limitations on Credit Cards in Texas

According to Texas laws, the statute of limitations on credit card debt is 4 years. If a creditor does not sue you for unpaid balances within 4 years, they are legally prohibited from filing a lawsuit against you.

While it might seem easiest to "wait it out" until the Texas statute of limitations on your debt expires, there are a plethora of legal loopholes creditors can exploit to keep the statute of limitations from applying. Filing for bankruptcy is a much more realistic solution to your debt problems.

Chapter 7 bankruptcy lets you wipe out the balances on your credit cards with a real financial do-over. Even though Texas laws allow a court-appointed trustee to sell off some of your possessions to reimburse your creditors, our clients usually keep most of their belongings (if not all of them!)

Get Legal Protection From Bill Collectors

If you’re dealing with endless collection calls from debt collectors trying their best to intimidate you, bankruptcy can also provide protection from creditor harassment. As soon as you file a petition, the bankruptcy court will grant you an automatic stay that prohibits your creditors from trying to collect from you — or even contact you!

If creditors continue to contact you in violation of the automatic stay, DebtStoppers can, and often will, take them to court on our own dime. We are dedicated to protecting our clients from bill collectors and their constant harassment.

We Can Help You Eliminate Your Debt

Dealing with high balances on your credit cards can be an agonizing process, especially when you’re doing it alone. A knowledgeable Texas lawyer can help you eliminate your debts — including your credit cards — and get a second chance at life.

Call or text DebtStoppers today at 469-646-0750 to schedule a free consultation with one of our experienced Texas attorneys. A custom DebtStoppers bankruptcy plan can help you escape your credit cards and the destructive spend-and-pay debt cycle they create.

DebtStoppers is one of the only law firms in the country that will file your Chapter 7 bankruptcy petition for $0-down. We even front the cash for the filing fee, so you can get the relief you need as soon as possible. Call or text us today at 469-646-0750 to request your free case evaluation!

Related Topics: