Short answer
Raise limitations in your Answer; it's a defense you must plead. Suing on a time-barred debt can also violate the FDCPA, Regulation F and the Texas Debt Collection Act, which may support a separate claim against the collector.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Regulation F, 12 C.F.R. part 1006 (eCFR)
- 15 U.S.C. § 1692e (false or misleading representations) (Cornell LII)
- Tex. Civ. Prac. & Rem. Code ch. 16 (limitations), §§ 16.004, 16.065, 16.069
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.
More about defenses and the statute of limitations
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