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 debt collector try to collect in Texas?

How long can debt collectors try to collect in Texas? In Texas, debt collectors only have four years to bring a lawsuit on debt—the statute of limitations on debt in Texas. Most of the time, the debt collection statute of limitations in Texas is counted from the last payment, or first default, on the debt.

Can a debt collector get a judgment on your credit?

The only scenario where an old collection account can affect your credit is if you are sued and the collector gets a judgment against you. That new judgment would have its own seven-year reporting period. You can get your free annual credit reports to see if you’re facing a judgment.

What happens when a judgment is sold to a collection agency?

Debt Transfer. Although it may appear that the original creditor sold your debt to a collection agency, if the original creditor already obtained a judgment against you, it’s more likely that the collection agency is merely collecting the judgment for the original creditor in exchange for a portion of the proceeds.

When does a credit card company file a civil judgment?

A credit card company might take legal action if you default on your payments after several collection attempts. If you fail to honor your obligation to pay the debt, the creditor can file a lawsuit against you and seek a civil judgment.

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.