Short answer
Many credit card agreements include arbitration clauses. Either side may be able to ask the court to send the case to arbitration, which can change costs and procedures. Texas law also bars debt buyers from starting arbitration on time-barred consumer debt.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Texas Rules of Civil Procedure (Texas Judicial Branch)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.