December 6, 2023

Statute of Limitations for Credit Card Debt in Texas

As a resident of Texas, it is important to know your rights when it comes to credit card debt and the statute of limitations that applies to it. The statute of limitations is the maximum amount of time that a creditor has to file a lawsuit against you for an unpaid debt. In Texas, the statute of limitations for credit card debt is four years. This means that if a credit card company or debt collector has not taken legal action against you within four years of the date that you last made a payment or acknowledged the debt, they are no longer legally able to do so.

Understanding the Statute of Limitations

It is important to note that the statute of limitations is not the same as the amount of time that a debt stays on your credit report. The amount of time that a debt stays on your credit report is typically seven years, but may be longer for certain types of debts. The statute of limitations only refers to the amount of time that a creditor has to take legal action against you.

It is also important to understand that the statute of limitations can be reset if you make a payment or acknowledge the debt in any way. This means that if you have not made a payment on an old credit card debt in several years, but then make a payment or agree to a payment plan, the statute of limitations will start over from the date of that payment or agreement.


What to Do if You Are Served with a Lawsuit

If you are served with a lawsuit for an old credit card debt, it is important to take action right away. Ignoring the lawsuit or failing to respond can result in a default judgment against you, which can have serious consequences, including wage garnishment and seizure of assets.

One option is to negotiate a settlement with the creditor or debt collector. This may involve paying a lump sum or agreeing to a payment plan. It is important to get any settlement agreement in writing and to make sure that it includes a provision stating that the debt will be considered paid in full and that the creditor or debt collector will not take any further legal action against you.

Another option is to consult with a consumer law attorney. An attorney can review the lawsuit and help you understand your options. They can also represent you in court and negotiate on your behalf.

Protecting Yourself from Debt Collection Scams

Unfortunately, there are many debt collection scams out there. Scammers often pose as debt collectors and try to trick consumers into paying debts that they do not actually owe. They may also use harassment, threats, and other illegal tactics to try to collect debts.

If you are contacted by a debt collector, it is important to verify that the debt is legitimate before making any payments. Ask for the name and contact information of the creditor or debt collector, as well as the amount of the debt and the date that it was incurred. You can also request that they send you written verification of the debt.

If you believe that you are being targeted by a debt collection scam, you can file a complaint with the Texas Attorney General’s Office or the Federal Trade Commission.


Knowing your rights and understanding the statute of limitations for credit card debt in Texas can help you protect yourself from harassment and illegal debt collection practices. If you are facing a lawsuit for an old credit card debt, it is important to take action right away and to consider consulting with an attorney. By staying informed and taking action, you can protect your financial well-being and avoid falling victim to scams and predatory debt collectors.

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