We have been collecting Texas judgments for over 20 years. Along the way we have been hired to represent judgment debtors as well. It is a smaller portion of our practice, but we have been very successful in representing those with a judgment against them. As you can see from this website we have the expertise necessary to represent judgment debtors.
We defend clients in active collections lawsuits, and we help protect their assets from judgment collection.
Common Questions
A judgment has been entered against me. What can a collections lawyer do for me as a debtor?
Quite a lot. We understand every enforcement tool a creditor can use — because we use them ourselves when representing creditors. That means we know exactly what is coming, how to respond to it, and where the creditor's strategy is vulnerable. We can evaluate the judgment itself, advise you on your exempt assets, respond to discovery, challenge writs and garnishments, and negotiate settlements from a position of genuine knowledge about how the other side thinks.
Can I protect my assets from a judgment creditor?
Texas law provides significant exemptions — your homestead, certain personal property, retirement accounts, and other categories are protected from execution. Understanding what you can protect and what you cannot is the first step. We can assess your specific situation and advise you on what enforcement tools the creditor can realistically deploy against your particular asset mix.
What if I think the judgment against me is wrong or was entered improperly?
There are legal mechanisms to challenge a judgment — motions for new trial, appeals, and in some circumstances motions to set aside a default judgment. The window for these remedies is often narrow, so timing matters significantly. If you believe a judgment was entered incorrectly, contact us promptly.
A creditor is garnishing my bank account. What do I do?
A garnishment can move quickly. If you receive notice of a garnishment, contact us immediately. There may be grounds to challenge the garnishment, claim exemptions for certain funds, or negotiate a resolution that protects assets the creditor cannot legally reach. Speed is essential — the window for responding to a garnishment is limited.
Does it create a conflict of interest for your firm to represent both creditors and debtors?
We do not represent both sides of the same matter. When we take a debtor representation, it is a separate engagement with no conflict to our creditor clients. The expertise flows in both directions — our deep knowledge of creditor tactics makes us effective advocates for debtors, and our understanding of debtor strategies makes us better at representing creditors.