Key Steps to Take When Facing Debt Collections in Dallas
                     KEY STEPS TO TAKE 
WHEN FACING DEBT 
COLLECTIONS IN 
DALLAS
KNOW YOUR RIGHTS UNDER TEXAS AND 
FEDERAL LAW
Before responding to any debt collector, it’s important to understand 
what they can and cannot do. In Dallas—and throughout Texas—you 
are protected by both the Fair Debt Collection Practices Act (FDCPA) 
and the Texas Debt Collection Act (TDCA). You also have the right to 
request written validation of the debt. This forces the collector to 
prove the debt is legitimate before they continue contacting you.
REQUEST A DEBT VALIDATION LETTER 
IMMEDIATELY
Within 30 days of being contacted, send a written debt validation 
request. Make sure to send your letter via certified mail and keep a 
copy for your records. If the collector cannot validate the debt, they 
must stop pursuing it.
CONSIDER STRATEGIC OPTIONS FOR RESOLVING 
THE DEBT
Once the debt is validated, you still have several options—many 
people assume payment in full is the only solution, but that’s not true. 
Your options include:
• Negotiating a Settlement.
• Setting Up a Payment Plan.
• Consulting a Dallas Consumer Attorney.
ABOUT WILLIAMS RUSH & ASSOCIATES
Dallas debt collections demand precision and persistence, and 
Williams Rush & Associates delivers both with professionalism. 
Their team streamlines recovery processes, protects client 
relationships, and ensures compliant, efficient solutions tailored to 
businesses seeking reliable financial resolution in the Dallas market.
CONCLUSION
Facing debt collections in Dallas doesn’t have to be overwhelming. By 
understanding your rights, demanding proper validation, and 
considering all your resolution options, you can protect yourself 
financially and legally. Take control early, stay organized, and don’t 
hesitate to seek professional help if collectors are aggressive or violate 
your rights. With the right steps, you can navigate the process 
confidently and work toward financial stability.
CONTACT INFORMATION
Email - [email protected]
Phone - (855) 869-9847
Address - 4144 N Central Expy Suite 945 Dallas, TX 75204
Website - https://williamsrush-associates.com