Texas debt defense

Sued for Debt in Texas? Here’s What to Do.

You have 14 days to respond.

Texas gives you only 14 days — the shortest deadline in the app. Act immediately.

Statute of limitations

4 years in Texas

Texas’s statute of limitations on debt is 4 years, codified at Tex. Civ. Prac. & Rem. Code § 16.004. The clock typically runs from: date of last payment or last charge.

If the time-bar has run, the debt may not be legally collectible in court — but you generally have to raise the defense yourself. It is not raised automatically.

Your rights

What Texas law gives you

Texas Debt Collection Act (Tex. Fin. Code §§ 392.001-392.404) gives you state-level protections beyond federal debt-collection law.
Texas requires debt buyers to provide account documentation and proof of ownership chain.
Texas courts enforce arbitration clauses in credit card agreements under the Federal Arbitration Act.
Cases in Texas are heard in Texas District Court or Justice Court.

The one thing most people miss

Key fact

Texas has the shortest answer deadline of any state in our network — just 14 days from service. If you miss this deadline, the court can enter a default judgment against you automatically.

Get started

Answered builds your defense documents — free

Upload your summons. We find the weaknesses, track your deadlines, and draft your court-ready Answer.

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