Collection practices are well regulated by federal and state law. In the state of Texas, the Texas Collection Practices Act and the federal Fair Debt Collections Practices Act provide statutory standards and remedies for consumers and businesses in the area of debt collection. The information contained herein is not intended to be a complete or official summary of either of these laws, but simply provide a basic understanding of the statutes' provisions as they pertain to a consumer when contacted by a third-party debt collector.

These answers do not represent a legal opinion. You should contact your own attorney if you feel more information is needed regarding your situation.

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