Demand removal of debts caused by identity theft and stop collection harassment. This template is customized for Texas residents with relevant state law citations.
Texas Legal Requirements
Your demand letter should reference Texas-specific laws including FDCPA.
- FDCPA
- Texas Debt Collection Act - Tex. Fin. Code § 392
- Texas Finance Code Ch. 392
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Texas small claims court or file a complaint with Texas OCCC / CFPB.
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.
Identity Theft Collections FAQs for Texas
What laws protect me in Texas for identity theft collections?
Texas consumers are protected by FDCPA and Texas Debt Collection Act - Tex. Fin. Code § 392. Your demand letter should reference these specific statutes.
What is the small claims limit in Texas?
The small claims court limit in Texas is $20,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Texas?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Texas Demand Letter
Generate a professional identity theft collections demand letter tailored for Texas. Our free tool includes relevant state law citations.
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