four years
The statute of limitations on debt in Texas is four years. This section of the law, introduced in 2019, states that a payment on the debt (or any other activity) does not restart the clock on the statute of limitations.

How long can a collection agency attempt to collect a debt in Texas?

In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors cannot pursue legal action against a debtor if a debt is more than four years old.

Is there Statute of limitations on debt collection in Texas?

In Texas, legal actions to collect a judgment are not limited by the same four-year statute of limitations that govern collection efforts. If this concerns you, consult a Dallas debt relief attorney who can review your situation to determine your best legal options for fighting a debt collection lawsuit.

What happens when statute of limitations runs out on credit card debt?

If the statute of limitations—the time period in which a creditor must sue you—has run on an old credit card debt, a collection agency can still contact you and ask you to pay up. Read on to learn what the statute of limitations is, and why the creditor or collector can still demand payment from you.

Can a debt collector sue if the Statute of limitations runs out?

They can ask you to pay the debt. They just can’t legally sue you, or threaten to sue you, for it. If the debt that the collector is calling about is several years old, find out what your state’s statute of limitations is for a lawsuit to collect the debt.

When do debt collectors have to tell you about time barred debt?

As of January 1, 2019, debt collectors in California have to tell a debtor if a debt is time barred. The collector has to include the notice in the first written communication sent to the consumer after the statute of limitations passes. If you’re contacted about an old, time-barred debt, you should take a look at your credit report.