SBA loan defaults trigger a complex web of federal and state obligations for both lenders and borrowers. Debt Collection Attorneys PLLC assists SBA-approved lenders in Texas in preserving the SBA guarantee, conducting compliant liquidations, and maximizing recovery while meeting SBA Standard Operating Procedure requirements.
We assess your case at no charge and only get paid when we collect.
(214) 817-1450 Send Case DetailsFor SBA-approved lenders, every step of the collection process must comply with SBA SOP 50-57 (7(a) loans) or SOP 50-55 (504 loans). Failure to follow required liquidation procedures — including the required demand letter, site visits, collateral appraisals, and timely charge-off — can result in partial or total denial of the SBA guarantee. Our attorneys guide lenders through every required step to preserve the guarantee and maximize total recovery.
When a Texas borrower cannot repay an SBA loan in full, an SBA Offer in Compromise may resolve the debt for less than the outstanding balance. OIC negotiations require detailed financial disclosure, SBA approval, and precise legal drafting. Our attorneys prepare and submit OIC packages, negotiate with the SBA's loan servicing centers, and document settlements to prevent future SBA collection action against borrowers and guarantors.
After liquidation of SBA collateral, many borrowers and guarantors remain personally liable for the deficiency balance. Texas's strong post-judgment collection tools — including bank account garnishment, real property liens, and turnover orders — make recovering SBA deficiencies achievable even from guarantors with significant personal assets. We represent both lenders pursuing deficiency judgments and borrowers defending against them.
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.
