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Credit Card Debt Consolidation Help  in Texas
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
Texas  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to Texas consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
Pertinent Texas  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Texas consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Texas.)

Debt Collection

Texas follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

- Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).
-Original creditor and creditor collecting own debt cannot:
-attempt to convince the debtor to agree that debt was incurred to pay for necessaries of life when debt was not for that purpose
-attempt to collect a collection agency's fee, unless authorized in the original agreement
-claim it has something of value in its possession in an attempt to lure the debtor
-Any violations are classified as a misdemeanor punishable by a fine of not less than $100 or more than $500 for each violation, and the defendant is entitled to reasonable attorney fees.
-The statute of limitations for any violations is one year from the date the violation occurred.

Texas Debt Law

Maximum Interest Rate a Collection Agency Can Charge in Texas: 6%

Texas Wage Protection: 100%

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in Texas, the applicable statutes of limitations would be California's.)

Oral Agreements: 4 years
Written Contracts: 4 years
Promissory Notes: 4 years
Open Accounts (credit cards): 4 years

Bankruptcy Courts

306 Federal Building
1205 Texas Avenue
Lubbock, TX 79401-4002

624 S. Polk - Suite 100
Amarillo, TX 79101-2389

Earle Cabell Building, U.S. Courthouse
1100 Commerce Street - Room 1254
Dallas, TX 75242

Eldon B. Mahon U.S. Courthouse
501 W. Tenth Street
Fort Worth, TX 76102-3643

U.S. Bankruptcy Court
200 E. Ferguson St.
Tyler, TX 75702

U.S. Bankruptcy Court
660 N. Central Expressway
Plano, TX 75074

10501 U.S. Courthouse
515 Rusk Ave.
Houston, TX 77002.

U.S. Bankruptcy Court
615 Leopard St., Ste 110
Corpus Christi, TX 78476

U.S. Bankruptcy Court
903 San Jacinto Blvd., Ste 332
Austin, TX 78701

615 East Houston St., Ste 383
P.O. Box 1439
San Antonio, TX 78295

U.S. Bankruptcy Court
800 Franklin Avenue, #140
Waco, TX 76701

George D. Prentice, II
Bankruptcy Clerk
P.O. Box 1439
San Antonio, TX 78295
(210) 472-5187

Cynthia Gutierrez
Deputy in Charge
U.S. Bankruptcy Court
903 San Jacinto Blvd. #322
Austin, TX 78701
(512) 916-5238

Mark Vargas
Deputy in Charge
U.S. Bankruptcy Court
8515 Lockheed
El Paso, TX 79925
(915) 779-7362

Christy L. Carouth
Deputy in Charge
U.S. Bankruptcy Court
100 E. Wall St., Rm. P163
Midland, TX 79701

Bankruptcy Exemptions

Federal bankruptcy exemptions are available. Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of Texas. For more information, follow this link: bankruptcy exemptions.

Also, Texas is a community property state. Click here to learn about what this means if you have debt that's in only one spouse's name.

Real Estate, Auto, Personal Property

-Unlimited protection of residency (cannot exceed 10 acres in town, village, or city or 100 acres elsewhere---200 acres if a family); sale proceeds exempt for 6 months after sale
-Unlimited protection of automobile
-Personal property to $60,000 if family
-Personal property to $30,000 if single
-Athletic and sporting equipment, including bicycles
-Burial plots
-Clothing and food
-Health aids
-Home furnishings including family heirlooms
-Jewelry (limited to 25% of total exemption)
-Pets and domestic animals plus their food; 2 horses, mules or donkeys and their tack; 12 head of cattle; 60 head of other livestock; 120 fowl


-Church benefit plan benefits
-Fraternal benefit society benefits
-Life, health, accident, or annuity benefits, monies, policy proceeds, and cash values due or paid to beneficiary or insured
-Texas employee uniform group
-Texas public school employees group insurance
-Texas state college or university employee benefits

Public Benefits

-Crime victims' compensation
-Medical assistance
-Public assistance
-Unemployment compensation
-Workers' compensation


-County and district employees
-ERISA-qualified government and church benefits
-IRAs and Keoghs
-Firefighters, police officers
-Emergency medical personnel survivors
-Municipal employees and elected officials, state employees
-Retirement benefits to extent tax-deferred
Tools of Trade -Farming or ranching vehicles and implements
-Tools, equipment (includes boat and motor vehicles used in trade) and books


-Alimony, child support
-Higher education savings plan trust account
-Liquor licenses and permits
-Prepaid tuition plans
-Property of business partnership

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