Everything you need to know about personal loan debt in Texas: the statute of limitations is 4 years, garnishment is capped at no wage garnishment for most debts, and 4 state-specific protections apply to your case.
4 years
Statute of limitations (written contracts)
$8,018
Avg. personal loan debt in US
No wage garnishment for most d
Garnishment limit
In Texas, personal loan debt falls under written contracts with a statute of limitations of 4 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Texas law.
Credit/Open
4 years
Written
4 years
Oral
4 years
These strategies combine federal FDCPA protections with Texas-specific laws like the Texas Debt Collection Act + DTPA.
In Texas, the SOL for this debt type is 4 years — check if your debt has expired.
If a collector wins a judgment for personal loan debt in Texas, garnishment is limited to: No wage garnishment for most debts.
Texas Debt Collection Act + DTPA
File complaints: AG Consumer Protection
These Texas-specific protections apply to your personal loan debt case:
All Texas Debt Laws
SOL, garnishment, protections for all debt types
Personal Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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