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Credit Card Debt Lawyers Texas

Did you know the average credit card debt in Texas is $6,033? The credit card debt is something the average Texas citizen can’t escape from. This debt is one of the highest scores in the country. However, these unpaid balances can be repaid in an affordable payment plan through Chapter 13 and it wll allow you to better structure your finances in the future.

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How to Pay off Credit Card Debt in Dallas, Texas

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If you are one of the countless Texas families struggling under the backbreaking weight of credit card debts, this cycle probably sounds familiar:

  • You rely on your cards to cover your everyday living expenses.
  • When the due date rolls around, you don’t have the cash to pay more than the bare minimum.
  • Creditors hit you with substantial late fees and interest charges.
  • Then you use your cards to survive the next month...
  • Or open new accounts to pay for the interest.
  • … and the cycle starts over again.

DebtStoppers is committed to helping Dallas-Fort Worth families walk away from this stressful game of “credit card whack-a-mole." If you want to break free from the debt spiral your credit cards have created, call or text us today at 469-646-0750 to request a free debt evaluation with one of our skilled Texas lawyers. Our DebtStoppers legal team can give you back control over your financial situation.

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Statute of Limitations on Credit Cards in Texas

According to Texas laws, the statute of limitations on credit card debt is 4 years. If a creditor does not sue you for unpaid balances within 4 years, they are legally prohibited from filing a lawsuit against you.

While it might seem easiest to "wait it out" until the Texas statute of limitations on your debt expires, there are a plethora of legal loopholes creditors can exploit to keep the statute of limitations from applying. Filing for bankruptcy is a much more realistic solution to your debt problems.

Chapter 7 bankruptcy lets you wipe out the balances on your credit cards with a real financial do-over. Even though Texas laws allow a court-appointed trustee to sell off some of your possessions to reimburse your creditors, our clients usually keep most of their belongings (if not all of them!)

Get Legal Protection From Bill Collectors

If you’re dealing with endless collection calls from debt collectors trying their best to intimidate you, bankruptcy can also provide protection from creditor harassment. As soon as you file a petition, the bankruptcy court will grant you an automatic stay that prohibits your creditors from trying to collect from you — or even contact you!

If creditors continue to contact you in violation of the automatic stay, DebtStoppers can, and often will, take them to court on our own dime. We are dedicated to protecting our clients from bill collectors and their constant harassment.

We Can Help You Eliminate Your Debt

Dealing with high balances on your credit cards can be an agonizing process, especially when you’re doing it alone. A knowledgeable Texas lawyer can help you eliminate your debts — including your credit cards — and get a second chance at life.

Call or text DebtStoppers today at 469-646-0750 to schedule a free consultation with one of our experienced Texas attorneys. A custom DebtStoppers bankruptcy plan can help you escape your credit cards and the destructive spend-and-pay debt cycle they create.

DebtStoppers is one of the only law firms in the country that will file your Chapter 7 bankruptcy petition for $0-down. We even front the cash for the filing fee, so you can get the relief you need as soon as possible. Call or text us today at 469-646-0750 to request your free case evaluation!

We do all the work for you
Your DebtStoppers attorney will:
  • Deal With Your Creditors
  • Collect Your Tax Returns And Credit
    Reports For You
  • Prepare All Filing Documents For You
  • Provide Independent Credit Counseling
    Right In Our Office

  • Represent You At All Court Hearings

Call An Attorney

During office hours, we’ll reach out to you within 30 minutes. Forms submitted after hours will be answered by 9:30 on the next business day.

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