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Home/Attorneys/James Law Firm, P.L.L.C.
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- Attorneys in The Woodlands, | CGMIMM

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719 Sawdust Road, The Woodlands, TX, 77380

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+1-713-389-5755
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719 Sawdust Road
The Woodlands, TX 77380
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Texas wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Texas consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Texas student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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