Debt Collection Letter - Texas
TEXAS DEBT COLLECTION LETTER
Date: [__/__/____]
Sent by: [First-class mail / other counsel-approved method]
To: [CONSUMER NAME], [CONSUMER MAILING ADDRESS]
From: [COLLECTOR LEGAL NAME], [COLLECTOR MAILING ADDRESS], [COLLECTOR PHONE NUMBER]
Regarding: [CURRENT CREDITOR NAME] — account ending [____]
Dear [CONSUMER NAME]:
We are contacting you about the account identified above on behalf of [CURRENT CREDITOR NAME]. We request payment of the current amount shown in the enclosed validation notice. You may send payment to [VERIFIED PAYMENT ADDRESS OR INSTRUCTIONS] or contact us at [COLLECTOR CONTACT INFORMATION] about the account.
The enclosed notice identifies the debt and explains how to dispute it or request information about the original creditor. Please use the response address shown in that notice for those requests.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
[SELECT ONE TEXAS NOTICE IF REQUIRED; OTHERWISE DELETE THIS SECTION]
Alternative A — reporting period open; debt buyer furnishes:
THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT. IF YOU DO NOT PAY THE DEBT, [INSERT NAME OF DEBT BUYER] MAY CONTINUE TO REPORT IT TO CREDIT REPORTING AGENCIES AS UNPAID FOR AS LONG AS THE LAW PERMITS THIS REPORTING. THIS NOTICE IS REQUIRED BY LAW.
Alternative B — reporting period open; debt buyer does not furnish:
THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT. THIS NOTICE IS REQUIRED BY LAW.
Alternative C — reporting period expired:
THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW.
Sincerely,
[AUTHORIZED COLLECTOR NAME]
[TITLE]
[COLLECTOR LEGAL NAME]
Enclosure: Completed current CFPB Model Form B-1 validation notice [and any separately required, counsel-reviewed notice].
About this template
- Last updated
- November 7, 2026
- Citations checked
- November 7, 2026
- Jurisdiction
- Texas
- Category
- Financial & Banking
Legal authority
- 15 U.S.C. § 1692g
- 12 C.F.R. § 1006.18(e)
- 12 C.F.R. § 1006.34
- Tex. Fin. Code § 392.101(a)
- Tex. Fin. Code § 392.307(e)-(f)
Financial and banking documents govern loans, security interests, account agreements, and commercial transactions between lenders, borrowers, and financial institutions. Promissory notes, guaranties, security agreements, and UCC filings have precise legal requirements, and mistakes can leave a lender unsecured or a borrower on the hook for more than they agreed to. Well-drafted finance paperwork protects both sides and keeps the deal enforceable if something goes wrong later.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on November 7, 2026.
15 U.S.C. § 1692g (checked November 7, 2026): "Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor."
12 C.F.R. § 1006.18(e) (checked November 7, 2026): "A debt collector must disclose in its initial communication with a consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose."
12 C.F.R. § 1006.34 (checked November 7, 2026): "Model Form B–1 in appendix B to this part contains the validation information required by paragraph (c) of this section and certain optional disclosures permitted by paragraph (d)(3) of this section."
12 C.F.R. § 1006.34(b)(5) (checked November 7, 2026): "Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph (c) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information."
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