§ 392.301 Threats or Coercion
§ 392.302 Harassment; Abuse
§ 392.303 Unfair or Unconscionable Means
§ 392.304 Fraudulent, Deceptive, or Misleading Representations
§ 392.305 Deceptive Use of Credit Bureau Name
§ 392.306 Use of Independent Debt Collector
§ 392.307 Collection of Certain Consumer Debt by Debt Buyers
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Terms Used In Texas Finance Code Chapter 392 > Subchapter D - Prohibited Debt Collection Methods

  • Fair Credit Reporting Act: A federal law, established in 1971 and revised in 1997, that gives consumers the right to see their credit records and correct any mistakes. Source: OCC
  • Fiscal year: The fiscal year is the accounting period for the government. For the federal government, this begins on October 1 and ends on September 30. The fiscal year is designated by the calendar year in which it ends; for example, fiscal year 2006 begins on October 1, 2005 and ends on September 30, 2006.
  • Fraud: Intentional deception resulting in injury to another.
  • Litigation: A case, controversy, or lawsuit. Participants (plaintiffs and defendants) in lawsuits are called litigants.
  • Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
  • Population: means the population shown by the most recent federal decennial census. See Texas Government Code 311.005
  • Real property: Land, and all immovable fixtures erected on, growing on, or affixed to the land.
  • Statute: A law passed by a legislature.