What a Debt Defense Attorney Can Do for You in Texas

When debt turns into legal trouble — whether you're facing aggressive collection calls, a creditor lawsuit, or even the threat of wage garnishment — it’s time to take action. A debt defense attorney in Texas can help you navigate these challenges, protect your rights, and provide options to regain control over your financial future.

At J. Gannon Helstowski Law Firm, we work with individuals and families throughout Texas who are facing tough financial situations and need strong legal support. If you're being pursued by creditors, know that you have more options than you might think — and legal representation can make all the difference.

Understanding Debt Lawsuits in Texas

If you've received a summons for unpaid debt, you're not alone. Debt lawsuits are common across Texas, and many people are unsure how to respond or whether they have any legal grounds to fight back.

A debt defense attorney helps by:

• Reviewing the claim against you for accuracy and legal standing
• Identifying any violations of consumer protection laws
• Challenging the creditor’s ability to prove the debt
• Representing you in court to help dismiss or reduce the claim

Ignoring the lawsuit or trying to handle it alone could result in a default judgment — meaning the court automatically sides with the creditor. With legal help, you have a better chance of turning the case in your favor.

Protection From Aggressive Debt Collectors

Many debt collection practices violate the Fair Debt Collection Practices Act (FDCPA) or similar Texas laws. If you're being harassed with repeated calls, threats, or false claims, a debt defense attorney can intervene and put an end to the abuse.

We help clients:

• Assert their rights under federal and state consumer laws
• Stop unlawful collection tactics
• Hold collectors accountable in court if necessary
• Communicate directly with creditors on your behalf

Assistance With Identity Theft and Credit Report Errors

If your debt issues stem from identity theft or credit fraud, you may be wrongly held responsible for accounts you didn’t open. We help Texans dispute inaccurate credit entries and defend against wrongful collection efforts that result from identity theft.

This includes:

• Gathering evidence to dispute fraudulent accounts
• Filing responses with credit bureaus and creditors
• Defending any court claims based on fraudulent activity

Defense Strategies for Common Debt Types

A wide range of debts can lead to legal action, including:

• Credit card balances
• Medical bills
• Personal loans
• Auto loans
• Deficiency balances after repossession
• Government debt and back taxes

Each situation requires a different approach, and we tailor our strategy based on the type of debt, the creditor involved, and your financial goals. Whether the right path is negotiation, settlement, or litigation, we’ll explain your options clearly.



Why Choose J. Gannon Helstowski Law Firm

With decades of experience handling debt relief cases in Texas, we know how overwhelming it can feel when creditors are closing in. We don’t offer cookie-cutter solutions. Instead, we take the time to understand your circumstances, develop a defense plan, and fight for your financial protection.

We serve clients across Dallas, Fort Worth, Houston, and beyond — offering straightforward legal guidance without judgment.