How Texas Debt Collection Laws Affect Dallas Businesses
                     How Texas Debt 
Collection Laws Affect 
Dallas Businesses
Navigate compliance and protect your bottom line in the Lone Star 
State
Understanding Your 
Legal Framework
Texas debt collection laws create a unique landscape for 
businesses operating in Dallas. The Texas Finance Code, combined 
with federal regulations like the Fair Debt Collection Practices Act 
(FDCPA), establishes clear boundaries for recovering outstanding 
debts.
For Dallas businesses, compliance isn't optional—it's essential. 
Understanding these regulations protects your company from 
costly litigation while maximizing your ability to collect legitimate 
debts efficiently and professionally.
Key Texas Debt Collection Regulations
Critical Compliance Areas
Communicate • Statute of limitations: Four years 
Document Everything Properly
for most commercial debts in Texas
Keep records of Avoid prohibited practices 
communications and and use compliant • Required licensing for third-party 
actions taken. language.
collectors operating in the state
• Prohibited practices including 
harassment, threats, or deceptive 
communication
• Mandatory disclosures and proper 
documentation requirements
UndKenrsotawnd  tTehxeas  Rstuatluetess PVeat rthtinrde-pra rWty cioslleeclytors 
and licensing for proper licensing. Working with experienced 
requirements.
Dallas collection agencies ensures 
your business stays compliant while 
recovering more revenue.
Common Pitfalls Dallas Businesses Face
Improper Communication Documentation Gaps
Contacting debtors at inappropriate times or using Failing to maintain detailed records of debt 
threatening language violates both state and validation, communications, and agreements 
federal law, exposing your business to significant weakens your legal position and collection success 
penalties. rate.
Pursuing Time-Barred Debts DIY Collection Mistakes
Attempting to collect debts beyond the statute of In-house collection efforts without proper training 
limitations can result in legal action against your often lead to compliance violations, damaged 
company, even if the debt is legitimate. business relationships, and reduced recovery rates.
Maximize Recovery While 
Minimizing Risk
Partnering with a licensed commercial debt collection agency provides Dallas 
businesses with professional expertise, legal compliance, and improved cash 
flow.
Professional collectors understand the nuances of Texas law, employ proven 
strategies, and handle difficult conversations—allowing your team to focus on 
core business operations. The right partner increases your collection rate 
while protecting your company's reputation and legal standing.
87% 60% $0
Recovery Rate Time Saved Upfront Cost
Average success rate Reduction in internal Most agencies work on 
with professional collection efforts contingency basis
agencies
Ready to Improve Your Collections?
Get Expert Guidance Today Contact Us
Don't let unpaid invoices impact your bottom line. Our Phone: (855) 869-9847
team understands Texas debt collection laws and 
Email: [email protected]
delivers results for Dallas businesses.
Website: www.williamsrush-associates.com
Schedule a free consultation to discuss your accounts 
receivable challenges and discover how we can help 
you recover more revenue while staying compliant.