Texas

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Texas Consumer Laws at a Glance

Each state legislature wrote its own set of laws protecting state residents. This page contains seven tables that condense important consumer-related laws for Texas residents. Because seeing all seven tables is a bit overwhelming, we hid them until you click on links to reveal them. Click on the appropriate link to see the information you wish to see. To learn more, we include links to state and Bills.com resources you can trust.

Texas Collection Law

Account levy and liens against property are allowed in Texas, but not wage garnishment for typical consumer debt. Learn the collections rules for Texas debts, and related laws. +/- View Texas Collection Laws tables

Click on the state statute hyperlink to read the law on the Texas state Web site. Put your cursor over a legal term to read its definition.

Texas Collection Law
Collection Law Garnishment Account Levy Exemptions (debt) Homestead law Homestead exemption Doctrine of Necessaries Probate rule
Texas rule No Allowed Personal property:
$30,000 Single
$60,000 Family

Retirement accounts
College savings
Yes 10 acres municipal
100 acres rural single
200 acres rural family
Yes Multiple options
Texas statute CP Title 3, Chapter 63 FI Title 3, Subtitle A, Chapter 59 Property Title 5, Subtitle A, Chapter 42 Property Title 5, Subtitle A, Chapter 41 Family Code Title 1, Subtitle A, Chapter 2 Texas Probate Code
Bills.com resource Texas Collection Laws

Texas Statute of Limitations

A statute of limitations provides an affirmative defense should a creditor file a lawsuit against debtor for a consumer debt. +/- View Texas Statute of Limitations Laws table

Texas Statute of Limitations
Statute of Limitation Credit Card Written contract Spoken contract Judgment
Texas rule (years) 4 4 4 10
Texas statute CP Title 2, Subtitle B, Chapter 16 Property Title 5, Subtitle B, Chapter 52
Bills.com resource Texas Statute of Limitations

Texas Bankruptcy Rules

Learn the bankruptcy exemption amounts for Texas residents. View Texas Bankruptcy Laws table

Texas Bankruptcy
Bankruptcy Means Test Standards Exemptions
Texas rule Food, Clothing & Other Items1 $534 Single: $30,000
Family: $60,000
Spread across the following 13 categories:
Home furnishings, food, farm & ranch vehicles, tools of trade, clothing, jewelry not exceeding 25% of exemption limit, 2 firearms, sports equipment, 1 vehicle per person, certain number of farm animals, pets, life insurance present value, unpaid commissions, wages, health aids, insurance benefits, retirement plans, Social Security benefits.
Health care 65 $144
Housing non-mortgage1 $377-$575
Housing rent or mortgage2 $500-$1,188
Transport private3 $242-$312
Transport public $182
Vehicle ownership costs $496
Texas statute Census Bureau, IRS Data and Administrative Expenses Multipliers
1 National standard one person
2 Texas standard varies by county
3 Regional standard
Property Title 5, Subtitle A, Chapter 42
Bills.com resource Bankruptcy Information

Texas Mortgage

Texas offers a limited anti-deficiency law for Texas residents who fall into foreclosure. Also, learn the maximum amount of an FHA loan in Texas. View Texas Mortgage Laws table

Texas Mortgage
Mortgage FHA & Fannie/Freddie Loan Limits Lawyer needed for home purchase Anti-deficiency rule Foreclosure type Foreclosure minimum timeline
Texas rule $417,000 No Borrower must be credited for the FMV. Both Non-Judicial 41 days (60 is typical)
Texas statute FHA Mortgage Limits   Property Title 5, Section 51

Texas Payday Loans

Texas allows a consumer to borrow up to $500 in payday loans, but does not limit the number of loans. View Texas Payday Laws table

Texas Payday Loans
Payday Loans Allowed by Law Maximum Loan Maximum Fee Maximum Loan Number Internet Payday Loans? State Loan Authority
Texas rule Yes $500 $10 per loan + 48% annual interest $500, but no max quantity Not outlawed Texas Office of Consumer Credit Commissioner
Texas statute Texas Finance Code Title 4, Subtitle B, Chapter 342, Subchapter E and
Texas Administrative Code Title 7, Part 5, Chapter 83, Subchapter 1, Division 6, Rule §83.604
Bills.com resource Payday Loans & Hot Checks in Texas

Texas Consumer Protection

What is the maximum interest rate a consumer can be charged in Texas? What is Texas' Lemon Law? Where can a Texas find no-cost legal services? View Texas Consumer Laws table

Texas Consumer Protection
Consumer Protection Consumer Protection Authority Debt settlement allowed Credit counseling fee restrictions Usury rate Utility Regulator Labor Complaints office Unemployment office Lemon Law, Used & New Legal Aid Contacts Credit Report Freeze Laws
Texas rule Texas Office of Consumer Credit Commissioner Yes $75 enrollment; $10/creditor/month, max $50 Varies. 18% for many Public Utility Commission of Texas Texas Workforce Commission Texas Workforce Commission Unemployment Benefits Yes, new and used TexasLawHelp Free to ID theft victims
Texas statute OCC Interest Rates page Texas DMV Lemon Law page TexasFightsIdTheft.gov

Texas Facts

Learn the Texas population, sales tax rate, average income, and more. View Texas Facts table

Texas Facts
Consumer Facts Population Employment Statistics Texas Average Income State income tax State income tax rate Property tax rate Sales tax rate State Student Loan 529 plan
Texas rule 25,674,681 7.8% $24,870 None N/A up to $2.50/$100 valuation, plus others 6.25%-8.5% Texas Prepaid Higher Education Tuition Program
Texas statute US Census Bureau Texas Workforce Commission Unemployment News US Census Bureau Art. XI §5, Texas Constitution
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