What happens when a Texas law firm informs you they are going to file suit for the credit card debt you owe and you cannot make the payments?
All creditors have the option of retaining legal representation to file suit against a debtor for monies owed. Litigation is the last option that a creditor/collector chooses to take as it can be time consuming and expensive with no firm guarantee that the debt will be collected even when a judgment is awarded. Unfortunately, the court does not recognize the inability to pay one's debts regardless of the reason(s) as a viable defense. The best option for the debtor is to do everything possible to reach a settlement with the creditor as that is the only option the debtor has of avoiding a suit if the creditor wishes to pursue legal action.