Insights

Commercial Collections

Commercial collections insights on demand letters, sworn accounts, prejudgment remedies, and settlement.

Collecting a Defaulted Promissory Note in Texas

A missed payment doesn't establish the amount a creditor can collect or the procedure required to collect it. You must determine who can enforce the note, what became due, which notices your loan documents require, and which limitations period governs.

Collection Demand Letters for Texas Business Debts

A collection demand letter should establish the debt, preserve the creditor's remedies, and give the debtor a credible reason to respond. An inflated balance, unsupported threat, or missed notice provision can damage a valid claim.

Defending a Texas Business Collection Lawsuit

When a creditor sues your business, you face two separate questions. You must determine what the creditor can prove, and you must protect the company from a default judgment while you investigate the claim.

Texas Collection Settlements and Structured Payment Agreements

When you settle a business debt, you exchange litigation and collection risk for the debtor's promise to perform. The documents determine whether you received certainty.

Texas Prejudgment Attachment, Garnishment, and Sequestration

Texas attachment, garnishment, and sequestration secure different property before judgment. Each requires a statutory ground, sworn evidence, a court order, and a bond.

Texas Sworn Account Claims Under Rule 185

Texas Rule of Civil Procedure 185 can reduce the proof required to collect a qualifying commercial account. A timely written denial under oath removes that evidentiary advantage and requires the creditor to prove its contract claim.