Texas Debt Validation Letter
Texas gives you federal FDCPA rights plus added state protections under the Texas Finance Code. Generate your Texas-specific dispute letter instantly.
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To Whom It May Concern,
I am writing in response to your contact regarding the debt referenced above. I am exercising my federal consumer rights to formally dispute this claim and demand proof of its validity.
Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, you are required to cease collection activities until you provide written validation containing the following documentation:
- Verification of the exact amount of the alleged debt, including an itemization of all interest charges, collection costs, and fees added.
- The name and physical address of the original creditor for this account.
- Verification showing that you have the legal license or purchase agreement authorizing you to collect this debt in my home state.
- A copy of the original agreement, contract, or credit application showing my signature.
Because I reside in Texas, this collection activity is also subject to the Texas Finance Code Chapter 392. Under Texas law, debt collection regulations apply to both third-party collectors and original creditors.
You must cease collection activities and respond within 30 days of receiving this request.
Furthermore, please cease all telephone contact with me regarding this account. Under federal law, I request that you communicate solely via written mail to preserve a paper record of these contacts.
Thank you for your cooperation in this matter.
Texas Debt Collection Law — Beyond the FDCPA
If you reside in Texas, you possess some of the strongest anti-debt collection protections in the United States. Under the Texas Debt Collection Act (TDCA), codified in Texas Finance Code Chapter 392, state law grants broader rights than federal legislation.
Key Texas Protections
- Covers Original Creditors: Texas law explicitly applies to original lenders (such as banks and retail stores) in addition to third-party collection agencies.
- Strict 30-Day Response Mandate: Under Tex. Fin. Code § 392.202, once a collector receives your written dispute, they must respond in writing within 30 days. If they fail to provide verification, they must permanently cease collection and correct credit reports.
- Bonding Requirement: Third-party debt collectors must file a $10,000 surety bond with the Texas Secretary of State before engaging in collection in Texas.
Frequently Asked Questions
Does Texas law protect against original creditors?
Yes. Unlike the federal FDCPA, the Texas Debt Collection Act (Texas Finance Code Chapter 392) applies to both third-party collection agencies AND original creditors collecting their own debts.
What is the statute of limitations on debt in Texas?
In Texas, the statute of limitations for debt collection lawsuits on written contracts and credit cards is 4 years under Texas Civil Practice and Remedies Code § 16.004.
How long does a collector have to respond under Texas law?
Under Texas Finance Code § 392.202, a collector must respond to a written dispute within 30 calendar days by either verifying the debt, correcting the error, or deleting the claim.