Short answer
Credit card banks such as Capital One, Discover and Synchrony; debt buyers such as Midland, Portfolio Recovery Associates, LVNV, Cavalry and Jefferson Capital; and lenders on personal loans, auto deficiencies and payday or installment loans. Most hire collection law firms to file the cases.
Helpful next
Sources
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell LII)
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.