Debt collectors are prohibited by federal law from lying to you to collect a debt. They cannot claim to be attorneys, when they are not. Also, if they threaten to sue you, to garnish your wages, or to have you arrested, when they do not intend to do these things, they are also violating the law (you cannot be arrested for simply owing a debt anyway, and there is no wage garnishment for ordinary unsecured debts in Texas.)

You may be entitled to money damages against a debt collector who violates debt collection laws, particularly under the federal Fair Debt Collection Practices Act or FDCPA. Our law firm sues debt collectors that violate the law.

If any of this has happened to you, contact our office. If your debts have become too much for you to handle, we will also discuss the possibility of filing bankruptcy with you, which can stop all debt collection activity against you, including lawsuits and court judgments.

You can also complain about a debt collector to the Federal Trade Commission (FTC) and the Texas Attorney General's office. However, these agencies usually do not represent individual consumers, like a private attorney does.

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization