Dispute Harris & Harris Utility Debt in Texas

Harris & Harris is collecting utility debt in Texas where the statute of limitations is 4 years. Average utility debt: $800. Garnishment limit: No wage garnishment for most debts.

4 years

Statute of Limitations

$800

Average Utility Debt

No wage garnishment

Garnishment Limit

Known Harris & Harris Violations

Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning

Dispute Strategies

File complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

Texas Protections

Texas Debt Collection Act + DTPA. File complaints with: AG Consumer Protection.

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

Texas Laws Harris & Harris Utility Debt

Dispute Now — $9.99/mo