texas debt collection

(8) threatening to take an action prohibited by law. (2) this state for the benefit of any person who is damaged by a violation of this chapter. We have developed a collections system to quickly collect unpaid debts. Some things debt collectors are not allowed to do include: Contacting you using a phony name or ID Failing to state the true nature of the services provided by the collection agency Commercial-Debt Collection Statutes for TEXAS: TEXAS-Definitions. A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. The OCCC frequently receives questions and complaints from consumers about the negative debt collection practices they experience. Texas Answer to Summons Forms That agency accepts complaints of this kind and has additional information about debt collection. By providing your wireless telephone number you agree and acknowledge that we may send text messages to your wireless telephone number for any purpose, including following up on your inquiry and request for review, or for what you may consider to be marketing purposes. (e) A person who successfully maintains an action under this section for violation of Section 392.101, 392.202, or 392.301(a)(3) is entitled to not less than $100 for each violation of this chapter. Information about whether you or someone else may owe the debt; When a debt collector first contacts you in writing regarding a debt, it must provide you a written notice that has certain, legally-required information. Generally, you have 20 days plus until the following Monday, at 10 am to file an Answer. You may also want to file a complaint with American Collectors Association of Texas, an organization representing third-party collection agencies in Texas. (3) a copy of the license or other authorization issued by the state in which that agency is authorized to operate. Amended by: Acts 2005, 79th Leg., Ch. This federal law applies to out-of-state office locations of the healthcare provider or third-party collection agency. (a) In enforcing a child support obligation, a registered agency may not use threats, coercion, or attempts to coerce that employ any of the following practices: (1) using or threatening to use violence or other criminal means to cause harm to an obligor or property of the obligor; (2) accusing falsely or threatening to accuse falsely an obligor of a violation of state or federal child support laws; (3) taking or threatening to take an enforcement action against an obligor that is not authorized by law; or. (b) The contract required under this section must: (1) be in writing, dated, and signed by both parties to the contract; and. Texas Commercial Collection Agency. Sept. 1, 1997. Amended by Acts 1999, 76th Leg., ch. Acts 1997, 75th Leg., ch. (b) This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity. (c) Subsection (a)(6) does not require a debt collector to disclose the names and addresses of employees of the debt collector. Wage garnishment is something that people commonly think of as a way for debt collectors to take the money that they owe. Sept. 1, 1997. Debt Col­lec­tion and Relief. We have industry recognized expertise collecting on large claims throughout the USA. (a) The department shall issue a certificate of registration and mail the certificate to the applicant on receipt of: (3) the surety bond or deposit of money required by Section 396.105; and. 392.301. (b) The application fee is due on the date the applicant submits an application for registration. (b) Not later than the 30th day after the date on which the department receives a complaint under this section, the department shall initiate an investigation into the merits of the complaint. (3) falsely represent that an oral or written communication is the communication of an attorney. A federal law called the Fair Debt Collections Practices Act prohibits debt collectors from: Making false statements or using offensive language. If you live in Texas and are concerned about paying your unsecured debt, you should know about your rights and obligations under Texas Law. (B) that the communication is from a debt collector, if the communication is a subsequent written or oral communication between the third-party debt collector and the debtor; (6) using a written communication that fails to indicate clearly the name of the debt collector and the debt collector’s street address or post office box and telephone number if the written notice refers to a delinquent consumer debt; (7) using a written communication that demands a response to a place other than the debt collector’s or creditor’s street address or post office box; (8) misrepresenting the character, extent, or amount of a consumer debt, or misrepresenting the consumer debt’s status in a judicial or governmental proceeding; (9) representing falsely that a debt collector is vouched for, bonded by, or affiliated with, or is an instrumentality, agent, or official of, this state or an agency of federal, state, or local government; (10) using, distributing, or selling a written communication that simulates or is represented falsely to be a document authorized, issued, or approved by a court, an official, a governmental agency, or any other governmental authority or that creates a false impression about the communication’s source, authorization, or approval; (11) using a seal, insignia, or design that simulates that of a governmental agency; (12) representing that a consumer debt may be increased by the addition of attorney’s fees, investigation fees, service fees, or other charges if a written contract or statute does not authorize the additional fees or charges; (13) representing that a consumer debt will definitely be increased by the addition of attorney’s fees, investigation fees, service fees, or other charges if the award of the fees or charges is subject to judicial discretion; (14) representing falsely the status or nature of the services rendered by the debt collector or the debt collector’s business; (15) using a written communication that violates the United States postal laws and regulations; (16) using a communication that purports to be from an attorney or law firm if it is not; (17) representing that a consumer debt is being collected by an attorney if it is not; (18) representing that a consumer debt is being collected by an independent, bona fide organization engaged in the business of collecting past due accounts when the debt is being collected by a subterfuge organization under the control and direction of the person who is owed the debt; or.

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