Your Texas rights against Pinnacle Financial Management: SOL is 4 years for credit card debt. Garnishment capped at No wage garnishment for most debts.
4 years
Texas credit card SOL
Texas Debt Collection Act + DTPA
State collection law
Common Pinnacle Financial Management Violations
Unlicensed collection activity in certain states
Failing to provide required state disclosures
Misrepresenting legal options available to consumer
Texas Dispute Tips vs Pinnacle Financial Management
Verify Pinnacle is licensed to collect in your state — many states require it
Unlicensed collection is a violation that can void the entire debt
File a complaint with your state's banking or financial regulator