Equipment financing defaults expose lenders to losses on both the collateral — which depreciates rapidly — and the remaining balance after repossession. Debt Collection Attorneys PLLC represents equipment lenders, lessors, and finance companies throughout Texas in pursuing repossession, deficiency claims, and full debt recovery under UCC Article 9 and applicable Texas law.
We assess your case at no charge and only get paid when we collect.
(214) 817-1450 Send Case DetailsTexas has adopted UCC Article 9, giving secured creditors the right to repossess collateral after default without judicial process — provided repossession can be accomplished without breach of the peace. Once collateral is repossessed, a commercially reasonable sale must be conducted. If the sale proceeds fall short of the outstanding balance, we file suit for the deficiency. If the debtor disputes the sale's commercial reasonableness, we have the evidence and expertise to defend the process and preserve your deficiency claim.
True equipment leases and finance leases are governed by different sections of the Texas UCC and require different enforcement strategies. Our attorneys analyze each contract to determine the proper classification and the full range of remedies available — including acceleration of all remaining lease payments, re-leasing deficiency claims, and liquidated damages provisions. We handle agriculture equipment, construction machinery, medical devices, restaurant equipment, manufacturing machinery, and all other commercial equipment categories.
Most equipment financing agreements include a personal guarantee from the business owner or principals. When the business defaults, we simultaneously pursue the entity and the guarantors. Texas courts hold guarantors to the full text of their guarantee — including waiver of notice provisions and consent to judgment. Personal assets including real estate, bank accounts, and vehicles are all available to satisfy a judgment against a guarantor.
No upfront fee. We only get paid when you do. Available M–F 8 AM–6 PM.
Texas courts provide some of the strongest creditor protection in the nation — including non-judicial foreclosure, bank account garnishment, and attorney's fee recovery under Tex. Civ. Prac. & Rem. Code § 38.001.
We file in every Texas county — Dallas, Harris, Tarrant, Travis, Bexar, and beyond. Our local knowledge of court procedures accelerates your time to judgment.
Our No Recovery, No Fee model means you can pursue every dollar owed without budgeting for legal fees. We only succeed when you do.
We assess collectability and outline your recovery strategy at no charge.
Formal demand letter creates leverage; most debtors respond within 30 days.
We file suit and pursue aggressive litigation in the appropriate Texas court.
Judgments enforced via garnishment, liens, and levy — cash in your account.
No obligation. We assess your case and contact you within one business day.
Speak with a Texas debt collection attorney today — free consultation, no obligation.
