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Notice

The Texas Creditors Bar Association serves the needs of a variety of clients, many of whom extend credit to consumers. As such, some of the Association's members are debt collectors within the meaning of various federal or state statutes. The information contained herein is intended for the members of the Association only, and is not a communication to any consumer regarding a debt. That having been said, and to avoid any quibbling over the application of the FDCPA to this website, please be aware that any information which you may provide to a TXCBA member related to a debt may be used by that member to attempt to collect that debt.

Disclaimer

The Texas Creditors Bar Association is intended to serve as a forum for the communication of ideas. It is not legal advice. Anything said in forum discussions or email exchanges, or contained within various documents posted in the Association's document library or linked to via this websites webpages is not intended as legal advice and does not constitute a legal opinion as to the specific circumstances of a case or claim. We are all attorneys -- we know what an attorney-client relationship looks like. This Association and this website, its forums and library do not create one.