How We Resolve Your Debt Buyer Issues
Debt buyers—often called “junk debt buyers”—purchase old debts for pennies on the dollar and try to collect the full amount from you. They often lack the proper paperwork to prove they own the debt. We use this to your advantage.
Your Shield Against Predatory Collections
- We Demand “Chain of Title”: Debt buyers often lose the paperwork when buying bulk debt. We aggressively demand proof of ownership. If they can’t prove it, they shouldn’t collect it.
- Nationwide Experience: Whether it is the federal FDCPA or state-specific laws like the Texas Debt Collection Act, we know the rulebook better than the collectors do.
- Protection From Harassment: We stop the phone calls. Once we represent you, the debt buyer must speak to us, not you.
- Comprehensive Defense: We don’t just file paperwork; we look for expired statutes of limitations, incorrect fees, and opportunities to counterclaim for damages.
Transparent Pricing: No hidden surprises. We offer clear, fixed-fee and contingency structures so you know exactly where you stand.
Our Core Services & Pricing
Legal fees are based on the work needed to be done.
Debt Settlement
Dispute & Resolve (Pre-Litigation)
Representation in Arbitration
Lawsuit Defense
Judgment Settlement
File a FDCPA / FCRA Lawsuit
Common Questions About Debt & Lawsuits
Contact Cannon Legal PLLC for a consultation to discuss your specific situation.
You have the right to send a cease communication letter to the debt buyer, demanding that they stop contacting you. Under the FDCPA, once they receive this letter, they can only contact you to acknowledge receipt or to inform you of a specific action they may take, such as filing a lawsuit.
Texas law generally prohibits the garnishment of wages for most types of consumer debt.
There is a statute of limitations on how long a debt can be legally enforced through a lawsuit. In Texas for contract debts, it is typically four years. If the statute of limitations has expired, the debt buyer generally cannot sue you to collect it. However, they can still try to contact you to collect voluntarily. You should be aware of the statute of limitations and assert it as a defense if you are sued on an old debt.
Yes, it is often possible to negotiate a settlement with a debt buyer for a lower amount than what they claim you owe. An attorney can help you with this negotiation process.
You must take the lawsuit seriously and file a written answer with the court by the deadline stated in the citation. Failure to do so can result in a default judgment against you. Contact us immediately to help you respond and explore your legal options.
Proof of assignment is documentation showing that the original creditor legally sold or transferred the debt to the debt buyer. Without proper assignment, the debt buyer may not have the legal right to collect the debt from you.
Do not ignore them, but do not provide them with personal information without verifying the debt. Request written verification of the debt, including the original creditor’s name, the original account number, and documentation showing you owe the debt and that the debt buyer owns it.
You have significant rights under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA). These laws protect you from harassment, false or misleading representations, and unfair collection practices. You have the right to demand proof of the debt and to tell them to stop contacting you.
A debt buyer is a company that purchases delinquent debts, often for a fraction of the original amount, and then attempts to collect the full balance from the consumer. These debts can include unpaid apartment rent or fees.