State protections
Debt collection protections in Texas
What Texas adds on top of the federal FDCPA, and how to use it. Last reviewed July 22, 2026.
The short version
The Texas Debt Collection Act bars deceptive, threatening, and harassing collection conduct, and violations can also be pursued under the Texas Deceptive Trade Practices Act.
Texas Debt Collection Act — Tex. Fin. Code Ch. 392 (with the Texas DTPA)
What Texas adds on top of the FDCPA
- Applies to third-party collectors and creditors collecting their own debts.
- Requires collectors to hold a surety bond on file with the Secretary of State.
- Overlapping DTPA remedies can allow additional damages.
Can you record a collector's call in Texas?
Texasfollows the federal one-party rule, so recording a call you're on is generally permitted — but if the collector is in a stricter state, assume the stricter rule. Compare every state.
Document it while it's happening
State overlays only help if you can show what happened. Log each contact with its date and time and Collector Audit checks it against both the FDCPA and Texas's rules.
Start a fileStop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.
This is general information, not advice
Collector Audit is not a law firm and this page is not legal advice. Statutes change and summaries can't capture how a rule applies to your facts. See all states and our disclaimer.