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DebtShield

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The flagship debt recovery platform.

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TX Debt Laws

Texas Debt Collection Laws

Know your rights in Texas. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

4 years

Credit card SOL

4 years

Written contract SOL

No wage garnishment for most d

Garnishment limit

Texas Collection Law

Texas Debt Collection Act + DTPA

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Texas

Wages (mostly exempt)
Social Security
Homestead (unlimited acreage)
Retirement accounts
Current wages

Key Texas Protections

NO wage garnishment for most consumer debts
Unlimited homestead exemption
DTPA treble damages for knowing violations
Very debtor-friendly state

Federal Laws (Apply in Texas)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Texas Debt Dispute Letter

DebtShield auto-cites Texas laws + FDCPA