David A. Fernandez
Law Office of David A. Fernandez
Houston, TX
Debt Collection DefenseConsumer Debt Litigation
Texas attorney directory
Consumer protection attorneys in Harris County, TX
25 cities and 132 ZIP codes in Harris County. 1 attorney listing here so far.
Before you pay an attorney retainer
Want the calls in Harris County to stop? Start with a written letter.
Under the federal FDCPA (15 U.S.C. § 1692c(c)), once a debt collector receives your written request to stop contacting you, it must generally stop, with limited exceptions. You can send that request yourself, without a lawyer. We help you write it in a few minutes.
- ✓ Cites federal and Texas law
- ✓ Ready in about 5 minutes
- ✓ PDF you can print and mail
One-time price, no subscription. Not a law firm and not legal advice. The outcome depends on the collector.
Cities in Harris County
- Houston(1)
- Pasadena
- Baytown
- Barrett
- Bellaire
- Channelview
- Cypress
- Deer park
- El lago
- Galena park
- Highlands
- Hockley
- Huffman
- Humble
- Jacinto city
- Jersey village
- Klein
- Park row
- Shoreacres
- South houston
- Spring
- Tomball
- V a hospital
- Webster
- Zcta 773hh
Your rights against debt collectors in Harris County, TX
- Harris County covers 25 cities and towns and 132 ZIP codes, including Houston, Pasadena, Baytown.
State law on top of the FDCPA
People in Harris County, TX are protected by the federal Fair Debt Collection Practices Act and by Texas's own Texas Debt Collection Act (Tex. Fin. Code ch. 392). State laws can cover original creditors too, not just collection agencies.
Legal calling hours here
Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). Harris County, TX is on Central (Mountain in far west Texas) time — note the exact time of every early or late call. Log calls for free.
Small claims court
Texas small claims courts commonly hear cases up to about $20,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Harris County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Texas Attorney General. See our complaint guide.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Texas Debt Collection Act (Tex. Fin. Code ch. 392) — look up the official text
- Texas Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Being contacted by a collector in Harris County?
You can require a collector to stop contacting you in writing, today, without hiring an attorney first. Keep a record of every call while you do it.