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I can't answer your question specifically for TX. Here's some general information on that http://proagency.tripod.com/skp-ca-cl.html

http://www.small-claims-courts.com/collection-small-claims.html

for more info. see www.steveshorr.com/law.htm

They can file an "abstract of judgement" against you

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Q: If a credit card company is seeking debt arbitration what options does the company have to collect the debt if awarded in Texas?
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