Short answer
No. Since 2019, Texas law bars debt buyers from suing or starting arbitration on consumer debt after the limitations period has run. Federal Regulation F also bars debt collectors from suing or threatening to sue on time-barred debt.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Regulation F, 12 C.F.R. part 1006 (eCFR)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.