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Texas Debt Law

Your rights against collectors

How do I dispute a debt with a collector?

Short answer

Send a written dispute within the 30-day validation period, keep a copy and proof of mailing, and ask for verification. If you dispute in writing on time, the collector must stop collecting until it sends verification.

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Sources

Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.

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