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Texans are fond of saying that everything’s bigger in Texas and for the most part that’s true. But one area where it’s not bigger is the average credit score of its citizens, which is 667 vs. the national average of a 689. In fact, this puts it in a category, which if it were a person would have only “average or okay” credit. Another area where it’s not bigger is in the average Texan’s credit card debt, which is $5173 per borrower vs. the national average of $5235 per borrower – but that’s a good thing.

Texas is definitely bigger is in its size, which is 268,580 square miles. This makes it America’s second-largest state. It’s also big in terms of its population that’s currently 25,145,561 –making it again second in the US.

Texas’s total labor force numbers 10,579,400. Office and Administrative Support Occupations is the largest segment at 1,804,640 employees. The second largest portion of its labor force is Sales and Related Occupations with 1,147,050 workers. Food Preparation and Serving Related Occupations is Texas’s third-largest labor sector with 941,960 employees.

Have you ever wondered why that amusement park in Texas is named Six Flags Over Texas? It’s because Texas is the only state that has had the flags of six different nations flying over it. They are: Spain, France, Mexico, Republic of Texas, Confederate States, and the United States. In addition, Texas is the only state to come into the nation by treaty instead of by territorial annexation. And from 1836 to 1845, it was actually an independent nation.

Texas’s most popular historic site is the Alamo where Texas defenders fell to the forces of Mexican general Santa Anna giving rise to the phrase “Remember the Alamo.”

Austin, Texas is considered to be the live music capital of the world. Texas was also the birthplace of Dell and Compaq Computers, which is why Central Texas is often called the Silicon Valley of the South.

Texan’s median household income is $51,926. This makes it a bit higher then the US median household income of $51,017. Its percentage of homeownership is 65.3%, which is three points higher than the US homeownership rate of 65%.

Texas’s unemployment rate currently stands at 6% versus the US average of 7.3%. Its three largest cities are Houston, San Antonio and Dallas. The unemployment rate in Houston is a bit higher than that of Texas as a whole at 6.2%. San Antonio is even higher as its unemployment rate is 6.9%. Finally, Dallas is also higher than Texas in general at 6.5%.

Debt Arbitration for Debt Help in Texas

Texas Credit Card Debt Arbitration Programs and Laws

Our debt relief services are available in Texas! Our debt consultants are always ready to speak with you and give you a free consultation – you can call now:

(888) 703-4948

We provide various debt relief services in the state of Texas. One of the major services we provide is debt settlement. Debt settlement is a way to reduce your debts with your creditors into one low monthly program payment. This method is amazing for people who are experiencing the financial hit from the economy. Ideal participants in such programs are those who are seeing less income, have medical issues or are simply overwhelmed by debt.

However, you may not have to even apply for debt settlement if the statute of limitations is up in your state and the debt no longer appears on your credit report. Legally, credit companies must recover the debt in a period of time specified by the state or the debt is no longer recoverable after this time period. Read on to find out if the statute of limitations is up for you.

Debt Collection

(This is intended to be a helpful and informational debt resource for Texas consumers and does not constitute legal advice.)

Texas follows the set of laws that are collectively known as the Fair Debt Collection Practices Act (FDCPA).

  • Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt’s validity).
  • Original creditor and creditor collecting own debt cannot:
    • Attempt to convince the debtor to agree that debt was incurred to pay for necessaries of life when debt was not for that purpose.
    • Attempt to collect a collection agency’s fee, unless authorized in the original agreement.
    • Claim it has something of value in its possession in an attempt to lure the debtor.
  • Any violations are classified as a misdemeanor punishable by a fine of not less than $100 or more than $500 for each violation, and the defendant is entitled to reasonable attorney fees.
  • The statute of limitations for any violations is one year from the date the violation occurred.

Texas Debt Law

Maximum Interest Rate a Collection Agency Can Charge in Texas: 6%

Texas Wage Protection: 100%

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in Texas, the applicable statutes of limitations would be California’s). Oral Agreements: 4 years
Written Contracts: 4 years
Promissory Notes: 4 years
Open Accounts (credit cards): 4 years

apply now for debt relief helpWhether you have unsecured credit cards, medical bills, personal loans or collection accounts, there’s help for you. The National Debt Relief Group offers a free consultation. You can fill out our Short Application and one of our debt specialists will contact you within minutes, or you can call now – (888) 703-4948.

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