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Texas Debt Law

Your rights against collectors

What times can debt collectors call?

Short answer

Generally only between 8 a.m. and 9 p.m. your local time, unless you agree otherwise. They also can't call your workplace if they know your employer doesn't allow it.

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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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