TX Civil Help
Serving Harris County & All of Texas

Sued in Texas?
We Prepare Your Court Documents.

Debt lawsuits, evictions, garnishments — we prepare the paperwork so you can fight back. No lawyer. No waiting. Documents ready in 24 hours.

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Texans Helped
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Saved vs. Attorney Fees
24-Hour
Document Turnaround

Verified Texas Business

Tx Civil Help Inc — Texas Secretary of State File 806499657

Our Services

Click any service to learn more about how we can help protect your rights.

How It Works

Simple 3-step process — documents ready in 24 hours.

STEP 1

Reach Out

Text us at (866) 964-2980 or email cases@txcivilhelp.com. Tell us about your case and we'll confirm we can help.

STEP 2

We Prepare Your Documents

We prepare your court documents based on the information you provide, formatted to Texas court standards.

STEP 3

Review, Sign & File

You receive PDF documents to review, sign, and file with the court clerk yourself.

Why You Must Respond

The difference between ignoring a lawsuit and filing a response can change everything.

If You Ignore It

  • Default judgment entered against you automatically
  • Wage garnishment can begin immediately
  • Bank account frozen without warning
  • Credit damaged for years to come
  • Harder to rent apartments or get approved for loans

If You Respond

  • Forces the plaintiff to prove their entire case
  • Many cases get dismissed when debt buyers lack proof
  • Protects your wages and bank account from seizure
  • Shows the court you are taking the case seriously
  • Often leads to settlement at a reduced amount

Debt Lawsuit Answer Preparation

What's Happening

A company that buys old debts has sued you in court. If you don't respond in writing by the deadline, the court will automatically rule against you — even if you don't actually owe the money. That ruling can lead to them taking money directly out of your bank account.

What We Do

We prepare a written response (called an Answer) that you file with the court. It tells the court you're showing up to fight the case and puts the burden on them to prove what they're claiming. We handle the paperwork — you just sign it and drop it off at the courthouse.

What are "junk debt buyers"? These are companies that purchase old, charged-off debts from original creditors for pennies on the dollar — sometimes as little as 2 to 4 cents per dollar. They then sue consumers for the full original amount plus fees. Many lack the original signed agreements or complete account records needed to prove you actually owe the debt. Filing an Answer forces them to produce that proof.

Sued by one of these companies? We prepare your Answer.

Midland Credit Management Portfolio Recovery Associates LVNV Funding Cavalry SPV Unifin Inc. Crown Asset Management Jefferson Capital Systems Resurgent Capital Services Absolute Resolutions Asset Acceptance Velocity Investments Midland Funding LLC

Don't see the company that sued you? Email us — we likely still can help.

What happens if you respond vs. if you don't

Without an Answer

  • Court rules against you automatically
  • Bank account can be frozen
  • Tax refund or wages garnished
  • Judgment appears on your credit report

With an Answer Filed

  • Court must schedule a hearing
  • Debt buyer must show their evidence
  • Many cases settle or get dismissed
  • You stay in control of your situation

Bank Garnishment Documents

What's Happening

A creditor got a court judgment against you and has now frozen money in your bank account. You can't access it. The good news: Texas law protects certain types of money — like Social Security, disability, or child support — from being taken. But you have to act fast and file the right paperwork to claim that protection.

What We Do

We prepare the paperwork you need to tell the court that the frozen money is protected. Once you sign and file it, the court schedules a hearing where you can explain your situation. We make sure the document is filled out correctly so it doesn't get rejected.

Eviction Answer Preparation

Hearing Coming Up — Act Quickly

What's Happening

Your landlord has filed to evict you and a court hearing has been scheduled. Many people don't realize they can actually respond in writing before the hearing — most just show up and hope for the best. Filing a written response first shows the court you're taking it seriously and tells your side of the story from the start.

What We Do

We prepare a written response to the eviction based on the details you give us. You take it to the courthouse, file it before your hearing date, and bring a copy on the day of your hearing. Contact us as soon as you get the notice — the sooner the better.

Eviction Appeal

5-Day Deadline After Judgment

What's Happening

The judge ruled against you at the eviction hearing. Now you only have 5 days to appeal or the landlord can get an order to remove you from the property. Most people don't appeal because they think they need money for a bond — but there's a way to appeal for free if you can't afford it.

What We Do

We prepare a form that lets you appeal without paying the bond upfront. It moves your case to a higher court (County Court), which gives you more time and another chance to be heard. You sign the form, file it at the courthouse, and the appeal is started. Contact us immediately — the 5-day clock starts the day of the ruling.

HOA Lawsuit Answer

What's Happening

Your HOA has taken you to court over unpaid dues or fines. If you ignore it and don't respond, the court will rule against you automatically — and in Texas, an HOA judgment can eventually be used to put a lien on your home. You need to respond in writing to keep your case alive.

What We Do

We prepare a written response to the HOA's lawsuit based on what you tell us. Filing it means the court has to hear both sides before making any decision. You tell us what happened, we prepare the document, and you file it at the courthouse. It's that simple.

Common Questions

Click any question to read the answer.

Do I actually owe this debt? Can't I just ignore the lawsuit?
Whether you owe the debt or not doesn't matter if you don't respond — the court will rule against you automatically (called a "default judgment"). Many debt lawsuits are filed by companies that bought old debts and may not have complete records. Responding forces them to actually prove their case. Ignoring it is the one thing guaranteed to make things worse.
What happens if I miss the deadline?
In Texas Justice Court, you have 14 days after being served to file a written Answer. If that deadline passes, the plaintiff can ask the court for a default judgment — meaning they win automatically without presenting any evidence. Once a judgment is entered, they can pursue bank garnishment or other collection actions. Contact us as soon as you receive court papers.
Will filing an Answer make the lawsuit go away?
Filing an Answer doesn't end the case — but it forces the plaintiff to continue pursuing it actively, which many debt buyers choose not to do. It also opens the door to a negotiated settlement or dismissal. At minimum, it prevents a default judgment and gives you a chance to be heard. We cannot predict or guarantee any specific outcome — we prepare documents at your direction.
I can't afford a lawyer. Does that mean I have to lose?
Not at all. Texas Justice Court is designed for self-represented litigants. You have the right to represent yourself (called "pro se"). What you need is the correct paperwork filed on time — that's exactly what we provide. Thousands of Texans handle these cases without a lawyer every year.
I got an eviction notice. How much time do I have?
It depends on where you are in the process. If you received a "Notice to Vacate," you typically have 3 days before the landlord can file in court. Once a court case is filed and you're served, your hearing will be scheduled — usually within a week or two. Contact us immediately when you get any court paperwork so we can determine exactly where you stand and how much time you have.
I already lost my eviction hearing. Is it too late?
You have 5 calendar days from the date of judgment to file an appeal. If you can't afford the appeal bond, there's a form that allows you to appeal for free based on financial hardship. This is one of the most time-sensitive situations we handle — contact us the same day you receive the judgment.
Are you a law firm? Will you be my lawyer?
No. TX Civil Help is a non-attorney document preparation service. We are not a law firm, we cannot give legal advice, and we do not represent you in court. We prepare documents based on the information and direction you provide — the same way a typing or clerical service would. You represent yourself. If you need legal advice, please consult a licensed Texas attorney.
How do I pay? When do I pay?
After you contact us and we confirm we can help with your case, we'll let you know how to send payment. We accept payment before we deliver your completed documents. Given how tight deadlines can be, we recommend reaching out as early as possible — don't wait until the last day.
Is this a scam? How do I know you're legitimate?
We understand the concern — if you received an email or text from us about a lawsuit, it can feel unexpected. Here's how you can verify we're real:
  • Registered Texas Corporation — Tx Civil Help Inc is filed with the Texas Secretary of State (File 806499657). You can verify this at SOSDirect.
  • Business Address — 5900 Balcones Drive #13025, Austin, TX 78731.
  • Your case is public record — We found your case on the Harris County JP Court website. You can look it up yourself using your case number.
  • We never ask for sensitive information — We will never ask for your Social Security number, bank account, or credit card over text or email. Payment is only processed through our secure website when you're ready.
  • Call or text us — You're welcome to reach out at (866) 964-2980 or email cases@txcivilhelp.com to verify before making any decisions.

Know Your Rights

Texas law gives you powerful protections. Here's what every defendant should know.

14 Days to Respond

You have 14 days after being served to file an Answer in Texas Justice Court debt cases. Miss it and the court rules against you by default.

General Denial Is Enough

Under Texas Rule 502.5, a General Denial is all you need to file as your initial response. You don't need a lawyer to write it.

Debt Buyers Must Prove Their Case

Many debt buyers cannot produce the original signed agreement or a complete chain of ownership for your account. Your Answer forces them to try.

Protected Income

Social Security, disability benefits, veterans benefits, and most retirement income is exempt from garnishment under Texas law.

Debts Sold for Pennies

Junk debt buyers purchase old debts for as little as 2-4 cents per dollar, then sue you for the full amount. They profit even if you settle for a fraction.

Default Judgments Are Dangerous

If you don't respond, the court rules against you automatically. This can lead to wage garnishment, frozen bank accounts, and liens on property.

Your Right to Demand Proof

You have the right to require the plaintiff to prove every element of their case with proper evidence before any judgment is entered.

Eviction Appeals: 5 Days

If you lose an eviction hearing, you have just 5 calendar days to file an appeal. A Pauper's Affidavit can waive the appeal bond if you qualify.

Registered Texas Corporation

Tx Civil Help Inc — filed with the Texas Secretary of State (File 806499657).

Flat Fees — No Surprises

$150-$250 per document. No hourly billing, no hidden costs. Secure payment via Stripe.

24-Hour Turnaround Available

Urgent deadlines? We work fast to meet your court dates.

Serving All Texas Courts

Based in Harris County, serving defendants in Justice Courts across all of Texas.

Secure Document Handling

Your case information is handled securely. We never share your data with third parties.

What We Do and What We Do Not Do

What We Do

  • Prepare legal documents based on your specific direction.
  • Format documents to meet Texas Court standards.
  • Provide general information about court procedures.
  • Help you identify the correct forms for your situation.

What We Do Not Do

  • We do NOT provide legal advice or legal representation.
  • We do NOT select legal strategies or defenses for you.
  • We do NOT go to court on your behalf.
  • We do NOT sign documents as your attorney.

You represent yourself in court. We are not your lawyers.

About TX Civil Help

Helping everyday Texans stand up for themselves in court.

Why We Exist

Every year, thousands of Texans lose their court cases by default — not because they were wrong, but because they didn't know they had to respond. Most people can't afford $3,000 or more in attorney fees to fight a $2,000 debt lawsuit. That shouldn't mean they automatically lose.

TX Civil Help was founded to change that. As a non-attorney document preparation service, we help people fight back with properly prepared court documents at a fraction of the cost. We don't give legal advice — we prepare the paperwork at your direction so you can stand up for yourself in court.

Texas C Corporation SOS File #806499657 Austin, TX

Affordable Access

Court documents prepared for $150-$250 — a fraction of what attorneys charge for the same work.

Fast Turnaround

Documents ready within 24 hours. When you're facing a court deadline, every day counts.

Real People, Real Help

Text or email us anytime. You'll talk to a real person who understands your situation.

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TX Civil Help Assistant

General information only — not legal advice. We are a document preparation service, not a law firm.

Hi! I'm the TX Civil Help assistant. I can answer questions about debt lawsuits, evictions, bank garnishments, and our document preparation services. How can I help you today?