Credit card debt
Claims involving an unpaid credit-card account, brought by the card issuer or a company that later purchased the account.
Learn more about this type of case →
Free 15-minute consultationDEBT LAWSUIT DEFENSE • DALLAS-FORT WORTH
Move forward.
Get the lawsuit handled.
If you have been sued over a consumer debt, such as a credit card balance, auto loan, personal loan, medical bill, or another household debt, experienced legal help can protect your time, explain your options, and move your case toward a resolution.
Flat fees are available based on the amount of the debt.
DFW court experienceFamiliarity with local practices and procedures
Flat-fee representationFees based on the amount of debt
More time for life and familyClients usually do not need to attend routine hearings or step away from daily responsibilities
SELF-HELP, AI & LEGAL REPRESENTATION
You may represent yourself. Make that choice with clear eyes.
Some people choose to defend a debt lawsuit on their own, and occasionally it turns out well. Self-help materials and AI can be useful for learning legal terms, organizing questions, and getting a basic overview. But a favorable result is never guaranteed. Texas law is more complicated than it may first appear.
There may be defenses, exceptions, evidentiary problems, or procedural options that a person does not know to raise. AI is not usually reliable with legal nuance and exceptions. It cannot review a case the way an experienced lawyer can, and it definitely cannot tell you what a particular judge is most likely to do with your case.
We know the courts, their local rules, and the practical details that are rarely captured in a generic answer. We have seen firsthand how DFW Justice of the Peace judges manage their courtrooms and evaluate debt cases. That experience can shape strategy from the answer deadline through resolution.
MEET THE ATTORNEY
Katelyn C. Logie
Owner and Managing Attorney, Logie Law Firm, PLLC
Attorney Katelyn Logie has handled thousands of debt defense cases throughout Texas. She understands that a debt lawsuit can create stress for an entire family, not just the person named in the court papers.
Her approach combines courtroom experience with clear, practical advice. She is passionate about helping clients protect their time, understand their choices, and move forward with dignity.
Thousands of debt-defense cases handledDFW local court experience
Schedule a free consultation →CASES WE DEFEND
Not every debt lawsuit is the same.
The identity of the plaintiff, the history of the account, and the documents offered as proof can all affect the defense.
Original creditor
A lawsuit filed by the business that originally extended credit, such as a bank, lender, medical provider, or service company.
Learn more about this type of case →Third-party debt buyer
A company buys an account from the original creditor and then sues to collect it. Ownership and account records can matter.
Learn more about this type of case →Auto deficiency
After a vehicle is repossessed and sold, a lender may sue for the claimed balance remaining after the sale proceeds are applied.
Learn more about this type of case →Personal loan
A bank, finance company, online lender, or debt buyer may sue over an allegedly unpaid installment or signature loan.
Learn more about this type of case →Medical or service debt
A provider or collection company may seek payment for medical care, utilities, rent-related charges, or other services.
Learn more about this type of case →WHO MAY BE SUING YOU
Ten Debt Buyers Commonly Seen in Texas Lawsuits
Debt buyers purchase accounts from original creditors and may file lawsuits in their own names. These companies frequently appear in credit card, personal loan, auto deficiency and other consumer debt cases.
- 01Midland Credit Management / Midland Funding
- 02LVNV Funding
- 03Portfolio Recovery Associates
- 04Cavalry SPV I
- 05Jefferson Capital Systems
- 06Velocity Investments
- 07Absolute Resolutions Investments
- 08Crown Asset Management
- 09Credit Corp Solutions
- 10Unifund CCR
A company's name on your papers does not prove that the amount claimed is correct or that the company has the evidence required to win. Every case should be evaluated individually.
SERVING THE DALLAS-FORT WORTH AREA
Debt Cases in All These DFW Areas Are Handled
Logie Law Firm represents debt lawsuit defendants throughout the Dallas-Fort Worth region, including Justice of the Peace, county and district courts in the following communities.
Dallas County
Dallas, Addison, Balch Springs, Carrollton, Cedar Hill, Coppell, DeSoto, Duncanville, Farmers Branch, Garland, Grand Prairie, Highland Park, Hutchins, Irving, Lancaster, Mesquite, Richardson, Rowlett, Sachse, Seagoville, Sunnyvale, University Park and Wilmer
Tarrant County
Fort Worth, Arlington, Bedford, Benbrook, Colleyville, Crowley, Euless, Everman, Forest Hill, Grapevine, Haltom City, Haslet, Hurst, Keller, Kennedale, Lake Worth, Mansfield, North Richland Hills, Saginaw, Southlake, Watauga and White Settlement
Collin County
Allen, Anna, Celina, Fairview, Farmersville, Frisco, Lavon, Lucas, McKinney, Melissa, Murphy, Parker, Plano, Princeton, Prosper and Wylie
Denton County
Denton, Argyle, Aubrey, Carrollton, Corinth, Flower Mound, Frisco, Highland Village, Justin, Krum, Lake Dallas, Lewisville, Little Elm, Northlake, Pilot Point, Roanoke, Sanger, The Colony and Trophy Club
Ellis County
Waxahachie, Ennis, Midlothian, Red Oak, Ovilla, Glenn Heights, Ferris, Palmer and Italy
Kaufman County
Kaufman, Forney, Terrell, Crandall, Combine, Kemp, Mabank, Scurry and Talty
Rockwall County
Rockwall, Fate, Heath, McLendon-Chisholm, Royse City and Rowlett
Johnson County
Cleburne, Burleson, Joshua, Alvarado, Keene, Grandview and Godley
Parker County
Weatherford, Aledo, Hudson Oaks, Willow Park and Springtown
Hunt County
Greenville, Commerce, Caddo Mills, Campbell, Celeste, Lone Oak, Quinlan, West Tawakoni and Wolfe City
Wise County
Decatur, Bridgeport, Rhome, Boyd, Aurora, Chico, Newark, New Fairview and Paradise
Do not see your city listed? Contact the firm to confirm whether representation is available in your court.
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TEXAS JUSTICE COURTS
$20,000Justice of the Peace courts have jurisdiction to hear civil cases for up to $20,000.Most credit card debt lawsuits are filed and heard in Justice of the Peace courts because the amount claimed is under $20,000.
“SMALL CLAIMS” HAS CHANGED
Justice Court rules are simpler, but the consequences are real.
Texas Justice of the Peace courts hear debt claims up to $20,000. These courts are often still called “small claims courts,” although Texas now treats small claims and debt claims as distinct case types under the Justice Court rules.
Ignoring the lawsuit can lead to a default judgment. A creditor with a judgment may pursue post-judgment collection, which can include garnishment of a non-exempt bank account. Texas law protects certain property and funds, and the result depends on the source and status of the money.
Once Logie Law Firm is hired, the client usually does not need to miss work, step away from daily responsibilities, or take time away from family to attend routine hearings. We appear for our clients when the rules and court permit and tell them clearly if their personal attendance is required.
FAMILY • DIGNITY • COMMUNITY
Debt problems can affect every part of your life.
Financial strain can affect a person's work, family, health, and sense of stability. Attorney Katelyn Logie is passionate about helping clients who are struggling with debt understand the legal process and face a lawsuit with dignity.
Strong communities depend on people having access to clear information and meaningful legal help. Our goal is to reduce the burden of litigation, protect your time for the people and responsibilities that matter, and help you make informed decisions about your case.
HIGHER-DOLLAR CASES
County and district court filings are more complicated.
When a creditor sues for a higher dollar amount in a county or district court, hiring a lawyer can be especially helpful. Pleading standards, electronic filing, service, discovery, motions, evidence, and deadlines are generally more complicated than in Justice Court.
A missed deadline or incomplete filing can change the course of the case. Early review gives your attorney more options.
Have your court documents reviewed →POSSIBLE OUTCOMES
Resolution depends on the facts, not a template.
Dismissal
The plaintiff may dismiss the lawsuit when the evidence, procedure, or economics of the case do not support moving forward.
Negotiated settlement
The parties may agree on a reduced amount, payment terms, or another resolution tailored to the case.
Agreed judgment
Some matters resolve through a written court judgment with negotiated terms. The consequences should be understood before signing.
Trial or other court ruling
When the dispute cannot be resolved, the court may decide whether the plaintiff proved its claim and what, if anything, is owed.
Past results do not guarantee a similar outcome. Every case is different.
FREE 15-MINUTE CONSULTATION
Talk with an attorney at no cost.
The initial 15-minute consultation is completely free. Have every document you received from the court handy when we speak, including the citation, petition, hearing notice, and any deadline shown.
- Brief review of the lawsuit
- Discussion of likely next steps
- Flat-fee quote based on the debt amount
Please note: Logie Law Firm does not handle bankruptcy cases or student-loan debt cases.