What is important to remember is that even before you file bankruptcy, there are limits to what creditors can do to attempt to
collect a debt. In Texas, the Texas Debt Collection Act and the Federal Debt Collection Act may apply to offer the consumer protections from creditors. Under either statute, a debt collector may NOT use:
- Threats or Coercion (including threats of imprisonment)
- Harrassing Phone Calls (includes using profane language, not disclosing the caller, causing person to incur long distance charges, making repeated calls),
- Unfair or Unconscionable Conduct
- Fraudulent, Deceptive, or Misleading Representations.