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can debt collectors sue in the state of texas or garnish your wages. what are the laws in texas?

in texas, can debt collectors sue? can they garnish wages. a collection agency out of california mentioned to me that they can issue a summons if i don't agree to pay.

Public Comments

1. They can sue, and can normally withdraw from a bank account upon court award; but they cannot garnish wages for consumer debt in Texas. .
2. Sure...they can sue, but, Texas is one of four states where wages cannot be garnished for credit card debt. If they win a judgement they may be able to freeze your checking account though...Again, they must go through the court system first and win. General tips for dealing with debt collectors: - To confirm that you are "really" dealing an attorney and not a debt collector pretending to be/represent one, ask the "attorney" for their license # in the state bar association, then call your state bar association to verify the attorney's information. * Get all terms of any settlement deal you reach with debt collectors IN WRITING BEFORE you give them your money. This letter should state the settlement amount and that the account will be settled/paid in full upon receipt of this amount from you. Never accept settlement deals over the phone without following up with a written agreement...If you don’t, the debt collectors will deny that any settlement was ever made once they get your “settlement” money and will come back demanding more money. * NEVER, EVER give out your checking account numbers to debt collectors for making electronic debit payments. * Debt collectors love to create a false sense of urgency...If they’ve waited months/years for your payment, they can wait one or two weeks for any payment or settlement agreement from you. Any “deadline” like 5PM to get any payment to them is bogus. * By themselves, debt collectors have absolutely NO legal power over you., they cannot garnish your wages or freeze checking accounts...only a court can authorize this and they’d have to go through the court system to do this. * Debt collectors have NO power whatsoever to have you arrested/sent to jail for not paying them.