A defaulted line of credit is one of the most common — and most recoverable — commercial debts in Texas. Debt Collection Attorneys PLLC helps lenders, banks, and credit unions enforce revolving credit agreements, trigger acceleration clauses, and recover outstanding balances through litigation and judgment enforcement across the state.
We assess your case at no charge and only get paid when we collect.
(214) 817-1450 Send Case DetailsMost commercial line of credit agreements include an acceleration clause allowing the lender to demand the full outstanding balance immediately upon default. Texas courts routinely enforce these provisions. Our attorneys review your credit agreement, draft and serve formal acceleration notices, and file suit within days when the borrower fails to cure. We also address guarantor liability — many lines of credit carry personal guarantees from business owners that survive the business's closure.
Unsecured lines of credit present unique challenges when a business closes or dissipates assets. Texas law provides post-judgment remedies including turnover orders, charging orders against LLC membership interests, and fraudulent transfer claims under the Texas Uniform Fraudulent Transfer Act. If business owners drew down the line and transferred assets to avoid repayment, we can reverse those transfers and recover from both the business and its principals personally.
Our process begins with a demand letter that creates a 30-day cure window while simultaneously documenting the default for litigation. If the borrower does not respond or pay, we file in the appropriate Texas district court and pursue the case to judgment. Once judgment is entered, we deploy garnishment, abstract of judgment liens, and writ of execution to convert the judgment into actual cash in your account. Clients pay nothing unless we recover.
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.
