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972-248-8080 DALLAS
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512-691-4100 AUSTIN
wilson whitaker rynell attorneys and counselors at law logo
972-248-8080 DALLAS
713-830-2207 HOUSTON
512-691-4100 AUSTIN
a blue and orange check mark with the letter w on it as the Wilson Whitaker Rynell Logo

The Texas Fair Debt Collection Practices Act

John Wilson • Sep 26, 2019

Consumer Debt Protection From Threats And Coercion.

a man is sitting at a desk screaming into a telephone .
The Texas Fair Debt Collection Practice Act protects consumers (individuals whose obligations were incurred primarily for personal, family, or household purposes). The Texas Fair Debt Collection Practice Act protects consumers from various types of threats and/or coercion, including, but not limited to:
  • Using or threatening to use violence or other criminal means to cause harm to a person or property of a person;
  • Accusing falsely or threatening to accuse falsely a person of a fraud or any other crime;
  • Representing or threatening to represent to any other person other than the consumer that a consumer is willfully refusing to pay an undisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute;
  • Threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts;
  • Threatening that the debtor will be arrested for non-payment of a consumer debt without proper court proceedings; and
  • Threatening to file a charge, complaint, or criminal action against a debtor when the debtor has not violated a criminal law.
These and other acts you can perform to get yourself into trouble with Texas law are set forth in the Texas Fair Debt Collection Practices Act. Tex. Fin. Code § 392.301(a)(1-8). A very simplistic recitation of other potential violations include: (a) making the tenant’s telephone ring at all hours and cursing at them for not paying their rent; Tex. Fin. Code § 392.302 and (b) attempting to collect fees and interest that are not provided for in the lease agreement. Tex. Fin. Code § 392.303(2)  Hopefully you won’t ever be faced with an employee who says “so what if I did” in response to your inquisition as to whether he or she engaged in any of the aforementioned conduct, but just in case you receive that response, or a similar response, the answer is that you are subject to both criminal and civil penalties.

A violation of the Texas Fair Debt Collection Practice Act is a misdemeanor, which is punishable by a fine of not less than $100.00 and up to $500.00 for each offense.  See Tex. Fin. Code § 392.402.  Furthermore, the tenant has one (1) year to file these charges against you. In addition, the tenant is entitled to actual damages and attorneys’ fees relating to their successful prosecution of their case. Tex. Fin. Code § 392.403.  The civil penalties for violation of the federal fair debt collection practice act are capped at $1,000.00 per violation, and reasonable attorneys’ fees.
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By Chelsea Lankford 08 May, 2024
Interview of a Child in Chambers by a Texas Court Divorces can be messy; even more so when children are involved. One pivotal question that is often asked is who will receive primary custody. The prospect of children speaking to a judge during a divorce case to help determine custody can be a controversial topic. On one hand, it aims to understand and prioritize the child's preferences and best interests. On the other hand, exposing children to legal proceedings can be emotionally taxing and stressful . When Can the Judge Talk to Children? During a nonjury trial or hearing, the court is required to privately interview any child 12 years or older, while interviewing a child under 12 is at the judge's discretion. This private interview helps convey the child's wishes regarding who should have primary custody. The judge can also conduct the interview independently or on the request of a party, amicus attorney, or attorney ad litem. While speaking to the child can help determine issues of possession, access, and parent-child relationships, it does not restrict the court’s authority to decide what’s best for them. However, in cases where a jury trial is underway, the judge is prohibited from privately interviewing the child on matters subject to a jury verdict such as which parent is granted conservatorship/primary custody. During the conversations, attorneys representing the parents, the amicus attorney, the guardian ad litem, or the child's attorney ad litem may be present. For children aged 12 and older, the court is required to record these interviews to ensure a thorough and accurate record is available as part of the overall case documentation. Inside the Judge's Playbook: What Gets Asked? The judge may ask open-ended questions about living arrangements, the child's relationship with each parent, and other aspects relevant to their well-being. Additionally, an interviewer’s nonverbal communication may not contribute to the making of a particular statement. James v. Texas DHS, 836 S.W.2d 236, 239-241, (Tex.App.—Texarkana 1992, no writ.). However, the child's testimony is just one piece of the puzzle, weighed alongside other factors such as parental behavior, home stability, and each parent's willingness to cultivate the child's relationship with the other parent. Importantly, if the judge during the interview has reasonable cause to believe that a child’s physical or mental health or welfare has been adversely affected by abuse or neglect by any person , the the judge is obligated to shall immediately make a report. Tex. Fam. Code §261.101(a).
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What is a Franchise Agreement? Businesses form franchise agreements when they want to share their business ideas and ventures with other entrepreneurs looking to be independent business operators themselves. The franchise agreement is a legal contract that establishes a franchisor-franchisee relationship to expand the franchisor's entrepreneurial ideas and values. The franchisor grants the franchisee the legal right to set up and operate a franchised business consistent with the terms of the franchise agreement. Under this agreement, the franchisee gains the license to use the franchisor’s trademarks, trade dress, business systems, operational manuals, and supply sources for offering and selling the franchisor's specified products and/or services. The franchise agreement is required to be legally included as an exhibit in the franchisor’s Franchise Disclosure Document, which must be presented to potential franchisees before any franchise offerings or sales are made. The federal trade commission publishes A Consumer's Guide to Buying a Franchise which is helpful for perspective purchasers' of franchises.
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The Wilson Legal Group are Dallas attorneys that specializes in Patents, Trademarks, Copyrights, Trade Secrets, Complex Litigation, Business/Corporate Law, Family Law and Real Estate Law. At the Wilson Legal Group, our clients are our focus. Our philosophy is simple and straight-forward: Understand our clients' needs, hopes, and interests in order to help them flourish. Our staff strives to build strong relationships with our clients in order to appreciate their best interests and help them achieve their goals.

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