The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- Texas Debt Collection Act - Tex. Fin. Code § 392
- Texas Finance Code Ch. 392
Small Claims Limit
$20,000
Consumer Protection Agency
Texas OCCC / CFPB
Bell County Debt Collection Resources
Local Court Information
Bell Justice Courts - Small Claims
Filing Fee: $54-$119
Local Consumer Protection
Texas OCCC / CFPB
Serving: Killeen, Temple, Belton, Harker Heights, Copperas Cove
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.