Texas Consumers Harmed By Phony Debt Collectors

November 30, 2012
By Radack & Borunda, P.C. on November 30, 2012 12:20 PM |

Unfortunately, Texas consumers pay these kinds of phony debt collectors every day. Their collection tactics are meant to induce fear and panic.

There is very little risk of going to jail for failure to pay a debt. Civil matters like this are dealt with in civil arenas, where punishment is usually monetary damages rather than imprisonment. Moreover, in Texas, you must be notified, usually in writing, of any lawsuit filed against you. Oral notification is not sufficient notice under Texas law. Once served, you have a at least 10 (small claims court) or 20 days (county or district court) to respond to any lawsuit. Houston consumers should be weary of any company that fails to identify its location, contact information or company personnel.

These companies are able to get just enough of your personal information to be dangerous; often times, tricking consumers into paying them. The best and more effective means of dealing with these companies is to ask for all contact to be made in writing. If you really owe a debt, then they should be able to provide verification of the debt to your address. However, there is no need for you to give personal information over the phone. The debt collector should have enough relevant information to identify you and the alleged debt. If you are someone you know has been harmed by these tactics, then please contact Radack & Borunda, P.C. today.