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Is there a statute of limitations on credit card debt collections in the state of Texas? If so, what is the time period?

Dallas, TX |

If a person defaults on a credit card debt how long can a company either original or 3rd party persue collection efforts. Also, does a statute of limitations apply to a company that sells the debt to another company?

Attorney Answers 1


These comments are made for educational purposes only and do not constitute legal advice. No attorney-client relationship exists between us.

The statute of limitations for the collection of debt in Texas is 4 years beginning the day after your first missed payment. This does not change when a debt is sold. The debt buyer must file suit to collect before that 4 year period ends. Collectors can and do often try to collect debts many years after limitation period ends. If that happens, never admit you ever owed the debt and never send money because doing so will revive the debt.

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