Credit Repair, Debt Management, and Laws for Texas Personal Credit Repair for Texas Residents

Texas Credit Repair

Obtain Your Free Credit Report

The first step to maintaining a good personal credit rating is to find out where you stand. Doing this is easy, because your credit report(s) can be obtained for free directly from the major credit reporting agencies.

Has the legal obligation for you to pay your debt expired?

The following Tip for Texans describes the amount of time a debt collector, collection attorney, or other entity has before they can no longer legally collect a debt through the civil justice system.

Has a debt collector harrassed or threatened you?

Debt collectors are in the business of making money, and if that means coming after everything you own to get what they think they deserve, they will. In some cases, debt collectors have used threats, fear and coercion in an effort to collect a debt, regardless of whether the debt being collected was legitimate.

Has a collection agency charged you additional fees and/or interest illegally?

If you have stopped paying, or defaulted, on your debt, then that debt may accrue additional interest and fees. A credit card, for instance, may charge you late fees and over-the-limit fees on top of your existing balance. Your responsibility for these fees is usually detailed in the original application you signed at the time your credit line or loan was issued.

Has the debt collector validated the debt in compliance with Texas statutes?

By initiating a debt collection, the third party debt collector must be able to prove that they are the legitimate owners of the debt, as well as to provide the alleged debtor with specific information regarding the debt.

Is the debt collector legally authorized to collect debt in the State of Texas?

Residents of the State of Texas retain special consumer protections during the debt collection process. Once such unique protection not covered under Federal credit protection laws is the requirement that all third party debt collection agencies in Texas maintain active insurance.

This is the Main Title of Article

¬†Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque in augue vel pede fringilla sollicitudin. Fusce porta sapien et tellus. Donec egestas condimentum orci. Donec quis erat in pede mollis mollis. Mauris non est. Sed pretium mauris at ipsum. Nam commodo, enim id mollis pretium, nibh pede congue magna, sit amet rhoncus velit lorem in […]

Hello world!

Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!