Who Is Who in Texas Debt Collection

TEXAS DEBT SUIT WHO-IS-WHO: ORIGINAL CREDITORS, ASSIGNEES, DEBT-COLLECTION LAWFIRMS AND INDIVIDUAL TEXAS ATTORNEYS  

with hotlinks to available blog posts

 

A SEGMENT OF THE ECONOMY THAT IS CONSTANTLY IN FLUX

Debt collection is a high-volume busines with a limited number of players and a considerable amount of volatility. Although the list of creditors, assignees, attorneys, and lawfirms below is a long one, not all of them are still active. There is some coming and going in this segment of the financial and legal services market. Those active in collection often prefer to call themselves accounts receivable professionals. Sometimes, they switch sides and go to work for consumer defense attorneys, and vice versa. 

 

Portfolios of active accounts are sold to other financial institutions, charged-off accounts to debt-buyers, and occasionally entire banks fail and are liquidated, or are merged out of existence. Private student loans were originated by program lenders with contract already in place providing for their subsequent transfer and collateralization through Delaware Statutory Trusts. Not infrequently, the first time debtors become aware of who owns the debt, or claims to own the debt, is when they receive a presuit letter or a citation.

Periodically new players emerge, especially debt-buyer firms that then seek to collect delinquent debt in their own name, seek to enforce assigned judgments, and file garnishment actions to seize funds in debtors' banks accounts as "successors in interest" of the entity that obtained the judgment, often a default judgment.

 

Volatility in the job market for debt collectors is even higher. Debt collection attorneys quit, get terminated, jump ship, or otherwise leave for greener pastures and a more satisfactory way of making a living. Many of those still active have worked for multiple firms, some of which are by now defunct. A few collection attorneys have even crossed over to the other side like prosecutors who become attorneys for defendants in criminal cases.
  

ORIGINAL CREDITORS APPEARING AS PLAINTIFFS IN TEXAS COURTS

ALLY BANK 

American Express Centurion Bank --> American Express NB
American Express Bank, FSB
American Express National Bank, successor of American Express Centurion Bank, as of April 1, 2018
American Express Travel Related Services Company, Inc.
ANB BANK
Bank of America, N.A <-- FIA Card Services NA (October 1, 2014 merger)
Bank of America, N.A. -->  FIA Card Services N.A. < -- MBNA, Fleet Bank / FleetBoston Financial
BARCLAYS BANK DELAWARE
Capital One Bank <-- HSBC Bank Nevada, National Association (asset assumption)
Capital One, N.A. <-- Hibernia National Bank (2005)
Capital One Bank (USA), N.A.
Capital One National Association
Chase Bank USA, N.A. (Wilmington, DE)  <-- Bank One.
[Note: collection suits filed by various debt-buyers as assignees, such as Bluebonnet, Cach, LLC, Equable Ascent, Midland Funding, and PRF. Chase no longer sues itself to collect charged-off consumer accounts]
Citibank, N.A. < -- Citibank (South Dakota), N.A. [includes Sears and AT&T credit cards]
In 2011, Citibank (South Dakota) N.A., merged into Citibank, National Association, with Citibank, N.A. as the resulting and surviving national banking association. CBNA moved from Las Vegas to Sioux Falls, SD that same year.
In 2003 the Comptroller of the Currency (OCC) permitted Citibank USA, National Association to purchase substantially all of the assets of Sears National Bank. In that transaction, Citibank acquired the domestic card business of Sears Roebuck and Co.
Comerica Bank
Compass Bank
Department Stores National Bank [CITIGROUP INC. subsidiary located in Sioux Falls, SD 57104, like CITIBANK, N.A.]
Discover Bank [DISCOVER PRODUCTS INC, a Utah corporation, became the servicing affiliate for Discover Bank credit cards in 2015; DB Servicing Corporation used to be the servicer, but no longer exists; previously DFS Services LLC]
FIA Card Services, N.A. < -- Bank of America, N.A. < -- MBNA [FIA merged into Bank of America N.A. Oct 1, 2014]
First National Bank of Omaha
FIRST VICTORIA NATIONAL BANK
Frost Bank
GE Capital Retail Bank
GE Money Bank (GEMB) [debt suits are brought by assignees]
HSBC Bank Nevada NA [Note: lawsuits filed by assignees, e.g. Portfolio Recovery Associates, LLC]
HSBC Bank Nevada, N.A. ("HSBC") and Best Buy Stores, L.P. ("Best Buy"), private-label cards and co-branded credit cards. This was a subsidiary of HSBC HOLDING PLC and was merged into another HSBC subsidiary in 2013, and thereby ceased to exist. It's credit card portfolio was acquired by Capital One in 2012.]
ICON BANK OF TEXAS, N.A.
INTERNATIONAL BANK OF COMMERCE (IBC)
JPMorgan Chase Bank, N.A. (Columbus, OH) [Line of credit and note suits, biz accounts] [not to be confused with Chase Bank USA, National Association (Wilmington, DE), which is credit card bank; both are subsidiaries of JPMorgan Chase & Co.]
OMNIBANK NA
PLAINSCAPITAL BANK, successor in interest to certain assets of First National Bank, Edinburg, Texas (through the FDIC)
PNC Bank
Prosperity Bank
Regions Bank 
Suntrust Bank
SYNCHRONY BANK
Target National Bank aka Target NB  < -- Retailers National Bank
TD BANK USA, N.A. suing as successor in interest to Target National Bank <-- Target NB
TD AUTO FINANCE LLC
TEXAS CITIZENS BANK N A
TIB - THE INDEPENDENT BANKERSBANK
TRUSTMARK NATIONAL BANK 
U.S. BANK NATIONAL ASSOCIATION ND [debt suits brough by assignees such as Cach and Convergence]
WALLIS STATE BANK
WELLS FARGO BANK, NA aka Wells Fargo Bank, N.A.

FAILED BANKS OR MERGED INTO OTHER ENTITIES 

Associates [merged into Citibank]
AT&T Universal [merged into Citibank]
Bank One, N.A (Columbus, Ohio) (Student Loan originator) was merged into JPMorgan Chase, N.A.
FIA CARD SERVICES N.A. was absorbed into Bank of America NA in October 2014 and is being operated as part of the latter; BofA NA now files collection suits instead of FIA in 2015).
HSBC Bank USA, National Association closed without government assistance July 1, 2013
[credit card portfolio was acquired by Capital One in 2012]
Sears National Bank [Sears' entire private label credit card portfolio acquired by Citibank in 2003]
Washington Mutual Bank [failed bank, assets and accounts assumed by Chase Bank USA, N.A. in 2008 via FDIC]
Providian National Bank [accounts acquired by WaMu before it was shut down, see above]
Sears National Bank aka Sears NB [Credit card biz acquired by Citibank, but Sears brand retained]
Target NB card portfolio sold to TD BANK USA, N.A.

CREDIT UNIONS 
  

A+ FEDERAL CREDIT UNION
ADVANCIAL FEDERAL CREDIT UNION
BCM FEDERAL CREDIT UNION
BEACON FEDERAL CREDIT UNION
BP FEDERAL CREDIT UNION
CAPITOL VIEW CREDIT UNION
COMMUNITY RESOURCE CREDIT UNION
CHARTWAY FEDERAL CREDIT UNION
COMMUNITY RESOURCE CREDIT UNION
CREDIT HUMAN FEDERAL CREDIT UNION
CY-FAIR FEDERAL CREDIT UNION
ESL FEDERAL CREDIT UNION
FIRST COMMUNITY CREDIT UNION
FIRST SERVICE CREDIT UNION
GENERATIONS COMMUNITY FEDERAL CREDIT UNION
GULF COAST EDUCATORS FEDERAL CREDIT UNION
HOUSTON HIGHWAY CREDIT UNION
HOUSTON MUSICIANS FEDERAL CREDIT UNION
HOUSTON TEXAS FIRE FIGHTERS FEDERAL CREDIT UNION aka HOUSTON TX FFCU
HOUSTON POLICE FEDERAL CREDIT UNION
INVESTEX CREDIT UNION
JUSTICE FEDERAL CREDIT UNION
MEMBERS CHOICE CREDIT UNION

NEIGHBORS FEDERAL CREDIT UNION

PEOPLES TRUST FEDERAL CREDIT UNION
PIONEER MUSLIM FEDERAL CREDIT UNION
PREFERRED BANK
PRIMEWAY FEDERAL CREDIT UNION
PLUS4 CREDIT UNION 

PUBLIC EMPLOYEES CREDIT UNION (“PECU”) 
RESOURCE ONE CREDIT UNION

SAN ANTONIO FEDERAL CREDIT UNION (“SACU”)
SERVICE CREDIT UNION
SHARED RESOURCES CREDIT UNION

SHELL FEDERAL CREDIT UNION

SMART FINANCIAL CREDIT UNION
SPCO CREDIT UNION
TEXAS BAY AREA CREDIT UNION
TEXAS SHARE GUARANTY CREDIT UNION
TEXANS CREDIT UNION
TEXELL CREDIT UNION
UNITED ENERGY CREDIT UNION
US EMPLOYEES CREDIT UNIO
VERIDIAN CREDIT UNION

PRIVATE STUDENT LOANS 

NATIONAL COLLEGIATE STUDENT LOAN TRUST 2007-4 (and many others with same name but  different year and sequence extensions)
NATIONAL COLLEGIATE MASTER STUDENT LOAN TRUST
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2003-1
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-2
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2005-1
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2005-2
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2005-3
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2006-1
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2006-2
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2006-3
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2006-4
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2007-1
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2007-2
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2007-3
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2007-4

EDUCAP INC

NAVIENT CREDIT FINANCE CORP

STATE OF TEXAS STUDENT LOANS 

STATE OF TEXAS suing on TEXAS HIGHER EDUCATION COORDINATING BOARD (THECB) student loans

MISCELLANEOUS OTHER CREDITORS 

ABSOLUTE RESOLUTIONS INVESTMENTS, LLC
ACCORD BUSINESS FUNDING LLC
ALLY FINANCIAL INC.
ASCENTIUM CAPITAL LLC
AUTOVEST LLC, suing through Johnetta Lang, Michael J. Adams, James Hull
CONN APPLIANCES INC
DEERE & COMPANY
FAN DISTRIBUTING, LLC
FORD MOTOR CREDIT COMPANY LLC
HARLEY-DAVIDSON CREDIT CORP
HOME SAVINGS BANK
JEFFERSON CAPITAL SYSTEM LLC
JOHN MOORE LP
LAST CHANCE FUNDING INC
MID ATLANTIC FINANCE COMPANY
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2006-4
NATIONAL COLLEGIATE STUDENT LOAN TRUST 2005-3 and various other year-and-single-digits combinations. See blog post on
--> 2017 media hype over missing paperwork in National Collegiate Student Loan collection suits, and opinions in Texas appellate cases involving insufficient proof of transfer of student loan from original creditor to National Collegiate Student Loan Trust.
ONEMAIN FINANCIAL GROUP, LLC

SAMARA PORTFOLIO MANAGEMENT, LLC. Collection lawsuits filed by Joseph O. Onwuteaka, In Harris County JP Court 1-2. Onwuteaka co-owns this company, and hired himself to do the collection work for the LLC. In 2013, he, his company, and his law firm were sued by Texas Attorney General for violations of the DTPA, the Texas Debt Collection Act, and the Texas Identity Theft Protection and Enforcement Act (ITPA). Several years later, after highly contentious litigation, a Harris County jury found for the State and a multi-million dollar judgment entered July 2017, which will no doubt be appealed. See Second Opinion on State of Texas v Samara Portfolio Management Inc. et al (Joseph Onwuteaka and his Law Office PC).PRESTIGE FINANCIAL SERVICES INC

SECURITY CREDIT SERVICES LLC
SOFI LENDING CORP
STATE OF TEXAS through its ATTORNEY GENERAL (currently Ken Paxton) sues on defaulted student loans made by the Texas Higher Education Coordinating Board. All such suits are brought by Assistant Attorney General John C. Adams in Travis County (Austin, TX) as attorney in charge. Some involve very old debt because the loans are exempt from the statute of limitations. Adams sues both student-borrower and co-signers, often filing separate actions against each.
TIDEWATER FINANCE COMPANY
TIMEPAYMENT CORP
TOYOTA MOTOR CREDIT CORPORATION
VELOCITY INVESTMENTS LLC

DEBT BUYERS WHO IS WHO 

This class of debt plaintiff can be subdivided in several types: Those who sue as first assignees of major credit card banks or other lenders; those who are downstream assignees of debt that was previously sold by the original creditor to another debt buyer, or by the successor of the original creditor that is also a bank and acquired accounts by asset acquisition or merger while the accounts were in good standing.

The status distinction between issuing banks vs debt buyers as plaintiff is relevant in two major respects: the issue of potential liability under the FDCPA, which does not apply to original creditors; and the issue of availability and admissibility of account documentation. The quality of proof produced by assignees is ordinarily lower, and they often rely on a representative of their own to lay a predicate for admission of business records from the original creditor, or try to do so. There is often a question as to whether the assignee’s affidavit signer (affiant) is qualified as a sponsoring witness with respect to records that were not created by the debt buyer/assignee, and whether such an affiant has any relevant personal knowledge.

ARROW FINANCIAL SERVICES
ASSET ACCEPTANCE, LLC, suing through Johnetta Lang
ATLANTIC CREDIT AND FINANCE, INC.
Atlantic Credit & Finance Special Finance Unit III, LLC (intermediary assignee in Midland suits)

BLUEBONNET FINANCIAL ASSETS 
BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC VS BRIAN A BROWN

CACH, LLC suing through Richard Clark, Jeffrey Kramer (RAUSCH), Yvonne Mikulik (RAUSCH) 
CACV OF COLORADO LLC
Carlos Benitez D/B/A Civil Judgment Enforcement Services
CASCADE CAPITAL, LLC represented by Hayes, Madeleine
CAVALRY SPV I, LLC, Tulsa, OK 74145 (assignee of Equable Ascent Financial, LLC as of 2013)  

CARMEL FINANCIAL CORPORATION represented by Jody Jenkins; 
CERASTES L.L.C. aka CERASTES, LLC, SUCCESSOR IN INTEREST OF DODEKA LLC (files garnishments on judgments) 

CONVERGING CAPITAL LLC (suing as assignee of US BANK NA ND) 
CREDIGY RECEIVABLES INC 

CROWN ASSET MANAGEMENT, LLC represented by Robert Shawn Redman
DODEKA, L.L.C. --> CERASTES L.L.C. 

EQUABLE ASCENT, LLC f/k/a HILCO RECEIVABLES, LLC -- > CAVALRY SPV I, LLC
GEORGIA RECEIVABLES INC

GLOBAL ACCEPTANCE CREDIT COMPANY, L.P.
GREAT SENECA FINANCIAL CORP  HARVEST CREDIT MANAGEMENT VII, LLC
HILCO RECEIVABLES, LLC -- > EQUABLE ASCENT L.L.C.
HUDSON & KEYSE LLC
INTEGRAS CAPITAL RECOVERY, LLC, represented by Michael J. Adams  

INVESTMENT RETRIEVERS, INC, lawsuits handled by Jeffrey Fletterick
HILCO RECEIVABLES, LLC
JEFFERSON CAPITAL SYSTEMS LLC
JH PORTFOLIO DEBT EQUITIES LLC
JHPDE FINANCE 1 LLC VS AKANIMO EDOHO

LVNV FUNDING, LLC, represented by Mathew T. Polito, Michael J. Scott, James Hull

LVNV Funding, LLC Assignee of Hudson & Keyse, LLC
LUTEA, L.L.C. aka LUTEA, LLC, Successor in Interest of Dodeka, L.L.C.

MAIN STREET ACQUISITION CORP. represented by James N. Hull, Jeffrey Scott Kramer, Michael J. Scott

MIDLAND FUNDING, LLC [Midland Credit Management aka MCM is the servicer; and play a big role in collection activities] Attorneys in Texas in 2014 include Johnetta Lang; Herreth Andrew Russell; Kristy Gabrielova, Brian Staley, Katherine Megan Banks.
Jan 2015 list on address bloc: Kristy Gabrielova, Brian Staley, Katharine Allen, Andrew Herreth, Sandy Huynh, Attorneys for Midland Funding LLC 

MSM CAPITAL, LLC
NATIONAL COLLEGIATE STUDENT LOAN TRUSTS are not debt-buyers in the narrow sense of the term, but acquired private student loans originated by banks and other lenders through intermediaries before they even went into repayment (and later into default) in huge pools, which serve as collateral for the bonds issued by the Trusts to pay for them (asset-backed securities). The Trusts sue in their own names in Texas. Under Texas law, the trustee would have to bring suit, but these are Delaware Statutory Trusts with right to sue in their own name. There are more than a dozen of them distinguished by the year of formation and a single digit following the name National Collegiate Student Loan Trust (NCSLT). For example: National Collegiate Student Loan Trust 2007-4, which was the last one launched before the 2008 financial crisis, when the market for such private student loan backed securities dried up. In Texas, the Trusts' collection suits are filed by Michael J. Scott's law firm. Although there are many National Collegiate trust, there is little difference in how they are litigated. The affidavits and exhibits all come from Transworld Systems Inc. (TSI) in Georgia, a litigation support subcontractor for the loan servicer. The petitions and motions are also virtually identical except for a few case-specific particulars such as names of debtors and original creditors, dates, and amounts of principal and accrued interest.
OLD WEST CAPITAL CO files suit to garnish bank accounts of judgment debtors
NORTH STAR CAPITAL ACQUISITIONS, LLC
Palisades Acquisition XVI, LLC

PALISADES COLLECTION, LLC
Palisades Collection, LLC Assignee of AT&T
PHARIA, LLC

PINNACLE CREDIT
PORTFOLIO DEBT EQUITIES LLC
PORTFOLIO RECOVERY ASSOCIATES LLC (PRA)  
RIVERWALK HOLDINGS, LTD
ROTH RECOVERY ASSOCIATES, INC.

SAMARA PORTFOLIO MANAGEMENT, LLC. debt collection firm owned by a lawyer (and wife) who sues on its behalf, essentially collecting for his own pocket.
--> Joseph Onwuteaka fights back against enforcement action by Texas Attorney General  
SOCA FUNDING, LLC assignee of UNIFUND CCR PARTNERS, files garnishment to recover funds of judgment debtors on deposit with banks
STELLAR RECOVERY INC 

TROY CAPITAL LLC

UNIFUND CCR PARTNERS [no longer filing lawsuits] --> SOCA 
VELOCITY INVESTMENTS, LLC 

VION HOLDINGS LLC 

VSM FINANCIAL LLC 

ZENITH ACQUISITION CORP

LAW FIRMS REPRESENTING PLAINTIFFS IN DEBT SUITS WHO IS WHO

AND CRITIQUE OF TYPICAL PLEADINGS 

Short Name – FIRM NAME – Office Location by City and ZIP Code

ADAMS – MICHAEL J. ADAMS, P.C. – San Antonio, Texas 78230
ADKINS – ALLEN L. ADKINS & ASSOCIATES, P.C. – Lubbock, Texas 79452 now THE MOSS LAW FIRM, P.C.
BALEKIAN – BALEKIAN HAYES, PLLC – Dallas, Texas 75204
BLALACK & WILLIAMS, P.C. - Dallas, Texas 75240
BRACHFIELD – THE BRACHFIELD LAW GROUP, P.C. – Houston, TX
BROWN LAW FIRM, PLLC - Houston, TX [Shaun Gregory Brown]
CLARK - Ricky Edward Clark - Houston, Texas
CERSONSKY, ROSEN, and GARCIA P.C.- Houston, Texas
COUCH, CONVILLE & BLITT LLC - M [McBride, Travis W, Hayes, Kris B, Redman, Shawn R.,
Nusloch, Jeremy L, Melonson, Shala S] Houston TX 77036, Dallas 75204, Metairie, LA 70002
ELTMAN, ELTMAN & COOPER, PC - Houston TX 77058 [James West, Nicole Hillman] Best known for filing garnishment actions on default judgment entered for National Collegiate Student Loan Trust and other creditors
HENRY MCDONALD & JAMES, P.C. - Houston TX
HULL -->  COUCH, CONVILLE & BLITT, LLC [James Hull used to litigate under name of his own lawfirm]
GABRIELOVA / BRACHFELD – THE BRACHFELD LAW GROUP, P.C. – Houston, Texas 77042
DEGRASSE – DeGRASSE & ROLNICK – Houston, Texas 77057
DEVLIN NAYLOR & TURBYFILL, PLLC - HOUSTON TEXAS 77056
ELTMAN ELTMAN & COOPER PC HOUSTON TEXAS 77058
ENERSON LAW, LLC, registered in Texas in 2014; see --> RAUSCH below
GOODWIN AND HARRISON, L.L.P. 
FULTON – FULTON FRIEDMAN & GULLACE, LLP – Houston, Texas 77002
HUGHES WATTERS ASKANASE, LLP - HOUSTON TEXAS 77002
HULL – HULL & ASSOCIATES, P.C. – Houston, Texas 77036
THE GUNTHORPE LAW FIRM, PLLC - Houston, Texas 77084  
JAFFE & ASHER LLP (New York) Texas office address in Dallas TX 75230
JAVITCH - JAVITCH, BLOCK & RATHBONE, LLC – Richardson, TX 75080
JENKINS aka JWY LAW - JENKINS, WAGNON & YOUNG, P.C. – Lubbock, Texas 79408
J&S – JOHNSON & SILVER, LLP – Dallas, Texas 75230
OFFERMAN & KING LLP - Beaumont, Texas 77706
ONWUTEAKA - LAW OFFICE OF JOSEPH ONWUTEAKA, P.C. – Houston, Texas 77074, Judgment defendant in unfair debt collection/DTPA suit brought the Texas Attorney General (on appeal as of Dec 2017)
ORLANDO & BRAUN, L.L.P. – Houston, Texas 77019
MOSS – THE MOSS LAW FIRM, P.C. f/k/a Allen L. Adkins & Associates, P.C. – Lubbock, Texas 79452
NIERMANN – NIERMANN & OLIVO – Carrollton, Texas 75006
ORLANDO & BRAUN, L.L.P. – Houston, Texas
RAUSCH - RAUSCH, STURM, ISRAEL, ENERSON & HORNIK, LLC – Addison, Texas 75001
REGENT – REGENT & ASSOCIATES – Houston, Texas 77036 - This is a sole proprietorship of Anh H. Regent, who filed for bankruptcy in March 2015.   
SCHEINTHAL - SCHEINTHAL & KOUTS, L.L.P. – Houston, Texas 77027
SCOTT - MICHAEL J. SCOTT P.C. – Carrollton, Texas 75011
SCOTT, PARNELL & ASSOCIATES, P.C., Carrollton, Texas 75006
DEVLIN NAYLOR & TURBYFILL, PLLC - HOUSTON TEXAS 77056
VINCENT - VINCENT LOPEZ SERAFINO JENEVEIN, P.C. – Dallas, Texas 75201
WEINSTEIN – WEINSTEIN & RILEY, P.S. – Texas address in Arlington, Texas 76015
WEINSTEIN – WEINSTEIN & RILEY, P.S. – Seattle, Washington 98121
WELLS & CUELLAR PC - Houston, TX 77002
ZWICKER – ZWICKER & ASSOCIATES, P.C. – Texas office in Round Rock, Texas 78681

TEXAS DEBT COLLECTION ATTORNEYS WHO IS WHO   

Adams, John. Assistant Attorney General John C. Adams is in charge of State of Texas student loan collection by litigation. Borrowers and co-signers of Texas Higher Education Coordinating Board student loans are all sued in Travis County (Austin) based on a special venue statute.

Adams, Michael J. a/k/a Michael Jason Adams, MICHAEL J ADAMS PC, in San Antonio TX 78230; sues on behalf of American Express, Autovest, files garnishments for Integras Capital Recovery, LLC  
Adkins, Allen L. a/k/a Allen Lee Adkins, best known for Citibank lawsuits including numerous appeals with published opinions  
Baker, Kristen L. a/k/a Kristen Leigh Bates - HUGHES WATTERS ASKANASE, LLP - HOUSTON TEXAS 77002 sues on behalf of CY FAIR FEDERAL CREDIT UNION
Balekian, Krista Jean - BALEKIAN HAYES PLLC - DALLAS TEXAS 75204, sues on behalf of JH PORTFOLIO EQUITIES LLC, HARLEY DAVIDSON CREDIT CORP, SERVICE CREDIT UNION, TERI LOAN HOLDINGS LLC, a miscellaneous other clients
Banks, Katharine Megan 
Kristen Leigh Bates aka Kristen L Bates aka Kristen L. Baker, HUGHES WATTERS ASKANASE, LLP - on debt suit pleadings filed for CY FAIR FEDERAL CREDIT UNION
Bedford, Laura L., whose full name is Laura Lee Willia Bedford, is an attorney with ZWICKER & ASSOCIATES PC - Round Rock TX 78681, and files lawsuits for American Express
Benitez, Brian
Blalack, Chris, name partner at BLALACK & WILLIAMS PC - DALLAS TEXAS 75244, files lawsuits for RESOURCE ONE CREDIT UNION
Bolen, Troy D. a/k/a Troy Dean Bolen - Attorney with ZWICKER & ASSOCIATES, P.C. 
Brown, Shaun G., Texas debt collection attorney, formerly with RAUSCH, now operating under the name of his own lawfirm, BROWN LAW FIRM, PLLC, suing for Midland Funding, LLC and CACH, LLC. Attorney Richard E. Clark also listed on Brown's pleadings. 
Buchan, Charles James 
Burford, Brent Prestion, filing garnishment action for Discover Bank on old case with judgment 
Burke, Edward T. a/k/a Edward Thomas Burke 
Carnohan, Christopher
Castro, Michael R., Texas attorney for RAUSCH 
Cersonsky, M. H., CERSONSKY, ROSEN & GARCIA, P.C.
Chae, Seung W., Texas attorney for RAUSCH 
Chilek, Jared David - DALLAS TEXAS 75248
Clark, Ricky Edward LAW OFFICE OF RICHARD CLARK, PLLC  IN HOUSTON TEXAS 77063; litigates on behalf of CACH, LLC, a major buyer of charged-off credit accounts from a variety of banks.
Clerkin, Patrick A. 
Cuellar, James E  - WELLS & CUELLAR, PC - Houston TX 77
DeGrasse, Donald D. co-owner of DEGRASSE & ROLNICK 
Deloney, Christopher Robert 
Donaho, Stephanie P. Briggs [HULL & ASSOCIATES]
Eckstein, Jessica 
Elder, T.L. 
Elms, R, Jr.
Erxleben, Harvey 
Farris, Michael D. is associated with VINCENT, LOPEZ, SERAFINO & JENEVEIN, P.C.
Fletterick, Jeffrey  
Gabrielova, Kristy, works for Asset Acceptance LLC, a high-volume debt buyer, in Houston Texas 
Gasaway, Timothy A. 
Gunthorpe, Kevin D. - THE GUNTHORPE LAW FIRM, PLLC 
Hamilton, Fallon Renee, formerly with RAUSCH, now ENERSON LAW, LLC, HOUSTON TEXAS 77077
Harrison, Joshua M  GOODWIN and HARRISON -  The Woodlands Texas 77387 
Harrison, Josh Allen - WEINSTEIN PINSON & RILEY, PLLC - Arlington TX 76015 formerly WEINSTEIN AND RILEY 
Hart,Vickilyn Wilkinson 
Hayes, Kris Balekian with HENRY MCDONALD & JAMES, P.C. - Houston Texas 77004
Hayes, Scott E. 
Henry, Carver L. HENRY MCDONALD & JAMES, P.C. - Houston, TX 77004

Henry, Kanan B. HENRY MCDONALD & JAMES, P.C.
Hillman, Nicole Celeste aka Nicole Hillman - ELTMAN, ELTMAN & COOPER, PC - Houston TX 77058; files garnishments to seize debtors' bank accounts for LVNV FUNDING LLC / ARROW FINANCIAL SERVICES LLC 

Hull, James N. a/k/a James Nace Hull - owner of HULL & ASSOCIATES, P.C., then with COUCH, CONVILLE & BLITT LLC, files lawsuits for AUTOVEST LLC

Jackson, Davis 
Jackson, John G., Jr., BLALACK & WILLIAMS, P.C.
James, Anita Broderick is with HENRY MCDONALD & JAMES, P.C. - Houston, TX 77004
Javandoost, Steve A. a/k/a Steve Ali Javadoost  works for RAUSCH and sues on accounts purchased by Midland Funding LLC and for CITIBANK NA as successor (by merger) of CITIBANK (SOUTH DAKOTA) NA.. Citibank, for the most part, brings its own debt collection suits, rather then selling portfolios of charge-off accounts to debt buyers.  
Jenkins, Jody D. a/k/a Jody Dewayne Jenkins, with JENKINS, WAGNON & YOUNG, P.C.
Jody Dewayne Jenkins files debt collection suits for debt buyers such as CACH, VSM, Roth and Equable, and also files garnishment applications for Calvary SPV I LLC, successor of Riverwalk Holdings Ltd to freeze & seized judgment debtors' bank accounts.
Johnson, Bruce B., Of Counsel with JAFFE & ASHER LLP;
JOHNSON & SILVER LLP, Dallas TX  75230, American Express debt suit attorney
King, James Wallace with OFFERMAN & KING LLP BEAUMONT TEXAS 77706 brings lawsuits on behalf of such clients as DEUTSCHE BANK NATIONAL TRUST COMPANY, US BANK NA GREEN TREE SERVICING LLC. LANDMARK ASSET RECEIVABLES MANAGEMENT LLC BY GREEN TREE SERVICING LLC AS SERVICER
Kitz, Nathanial D. 
Kessler, Rex L. 
Kovach, James Frederick 
Kramer, Jeffrey S., a/k/a Jeffrey Scott Kramer, attorney with Michael J. Scott, SCOTT, PARNELL & ASSOCIATES, PC (previously with RAUSCH in Addison TX 75001), files garnishments on behalf of LVNV FUNDING LLC, a purchaser of charged-off credit card debt
Lang, Johnetta a/k/a Johnetta Diane Lang, with Houston lawfirm FULTON FRIEDMAN & GULLACE, LLP, sues for Autovest, Asset Acceptance, Midland Funding, LLC 
Lawton, Audrie, L. 
Lloyd, Jamila B., previously with RAUSCH law firm; now "in house" with PORTFOLIO RECOVERY ASSOCIATES (PRA)
Lobb, Jr., Charles E, Attorney for Wallis State Bank
Mace, Teri Stewart  
Manchester, Elise D.  new ZWICKER attorney as of 2014
Marancik, Andrew John 
McAnelly, Jacqueline D., CERSONSKY, ROSEN & GARCIA, P.C.
McBride, Travis W, COUCH, CONVILLE & BLITT, LLC
Mikulik, Yvonne, a solo as of 2014, formerly with RAUSCH debt collection firm with Texas headquarters near Dallas
McBroom, Mark Thomas 
George M. McDonald, GEORGE M. MCDONALD LAW FIRM, Richardson TX 75080, suing for JPMorgan Chase Bank, N.A.
Moorse, Cody J., SHELTON HARRISON & PINSON PLLC  in Arlington, Texas 76015; files garnishments for Dodeka LLC on aged judgments.
Morgan, Judith, attorney with SCOTT, PARNELL & ASSOCIATES, P.C., Carrollton, Texas 75006
Morgenstern, James H., attorney with JOHNSON & SILVER in Dallas (sues for American Express Centurion Bank)
Moss, Michael A.; MOSS LAW FIRM, P.C. in Lubbock, now suing for Citibank, N.A. and others instead of Allen L. Adkins / Mark Palm. His firm is the successor of ALLEN L. ADKINS & ASSOCIATES, P.C.. Adkins himself went solo. 
Niermann, Stephen 
Noack, Craig A. a/k/a Craig Allen Noack  
Novak, Randall  a/k/a Randall Lorance Novak 
O’Bell, Joseph M. a/k/a Joseph Marse O’Bell, previously with ZWICKER & ASSOCIATES 
Olivo, Andrew C., name partner at NIERMANN AND OLIVO - Carrollton, Texas 75006
Onwuteaka, Joseph, solo, owns company that buys debt (Samara Portfolio Mgmt, LLC) and sues on its behalf, sued by Texas AG for violation of Texas Debt Collection Act and other offenses.  
Orlando, Michael Gary 
Orlando, Monica Schulz  
Osborn, Christopher D. a/k/a Christopher David Osborn 
Palm, Mark A. with The Moss Law Firm -- > Michael Moss 
Daniel C. Pappas (solo) and DANIEL C. PAPPAS PC
Parker, H Brad. 
Polito, Matthew T. 
Rechner, Mark A. with VINCENT LOPEZ SERAFINO JENEVEIN, P.C. Dallas, Texas 75201, sues on debt owed to Wells Fargo Bank, N.A. (WFBNA) and also files applications for garnishment post-judgment.
Redman, Shawn R., with COUCH, CONVILLE & BLITT, LLC, sues for Discover Bank  together with James Hull. Also brings lawsuits on behalf of JH PORTFOLIO DEBT EQUITIES, LLC, CROWN ASSET MANAGEMENT, LVNV FUNDING LLC, STELLAR RECOVERY INC, BANK OF AMERICA (successor of FIA CARD SERVICES, N.A.), COMPASS BANK, and BARCLAYS BANK DELAWARE.
Regent, Anh Huynh d/b/a REGENT & ASSOCIATES - Houston, Texas 77036 (previously 77057); Anh Regent used to file lawsuits in huge numbers for several creditors and assignees, including student loan suits, but ended up doing mostly garnishment work, e.g. CAVALRY SPV I LLC; did not pay his own bills, got sued himself, and filed for no-asset bankruptcy in the Southern District of Texas/Bankruptcy Court in March 2015.
Resendez, John R. 
Richman, Alisa S. files garnishment actions for OLD WEST CAPITAL CO, as assignee of judgments obtained by Credigy Receivables, Inc. 
Robertson, Roxanna M with JAVITCH BLOCK LLC - Richardson Texas 75080, sues on Citibank debt;  previously with Balekian Hayes, PLLC
Richman, Alisa S. aka Alisa Scher Richman, with the LAW OFFICE OF AUBYN K SHETTLE JR in Dallas, brings garnishment actions on behalf of OLD WEST CAPITAL CO as successor of RESURGENCE FINANCIAL LLC, FIRST SELECT INC, OLIPHANT FINANCIAL CORP, CREDIGY RECEIVABLES INC.
Richman, Alisa Scher aka Alisa S. Richman, LAW OFFICE OF AUBYN K SHETTLE JR - DALLAS TEXAS 75202 files garnishment actions for Old West Capital Co. to seize debtor's bank accounts Robak, Marianne G, with CERSONSKY, ROSEN, and GARCIA P.C.
Robbins, Sarah S - HUGHES WATTERS ASKANASE, LLP - listed as one of several attorneys on debt suit pleadings filed on behalf of CY-FAIR FEDERAL CREDIT UNION
Rogers, Scott L. 
Sanchez, Benjamin K. aka Ben Sanchez used to file lawsuits  en masse for PHARIA and DODEKA, LLC, but lost those accounts and became a debt suit defendant and a target for foreclosure himself. 
Sanders, Jennifer P. 
Scott, Michael J. a/k/a Michael Joseph Scott use to sue under name of his own lawfirm, MICHAEL J SCOTT, P.C. in Carrollton TX 75011; now with SCOTT, PARNELL & ASSOCIATES, PC; files lawsuits on Bank of America credit cards and student loans in large numbers, and other creditors and debt buyers, including PORTFOLIO DEBT EQUITIES LLC and JH PORTFOLIO DEBT EQUITIES LLC
Scheinthal, Alan R. - SCHEINTHAL & KOUTS, L.L.P. Houston, Texas 77027
Serafino, Victor Charles aka V Charles Serafino of VINCENT, LOPEZ, SERAFINO & JENEVEIN, P.C. files garnishment for Comerica Bank, Successor by Merger with Sterling Bank
Silver, Jamie 
Slinsky, Lourdes R., JAFFE and ASHER LLP, (New York firm) Texas office address in Dallas TX 75230
Staley, Brian Edward files and litigates debt collection suits on behalf of Midland Funding, LLC, a major debt buyers operating in multiple states. Midland and MCM, its servicer, and corporate parent were sued by the Texas Attorney General (now Governor) a few years ago over their robosigning practices. 
Stewart, John Milton 
Stewart, Jeffrey D. - WELLS & CUELLAR, PC - Houston Texas 77002
Stewart Mace, Teri, attorney with SCOTT, PARNELL & ASSOCIATES, P.C., Carrollton, Texas 75006
Streeter, Sam Wilson, files garnishment applications for CACV of Colorado, LLC on old judgments 
Swonke, Adam R. - WELLS & CUELLAR, PC - Houston TX 77002
Taylor, Jay Andrew 
Terrill, Nicole Goldie, SCOTT, PARNELL & ASSOCIATES, P.C., files garnishments to collect on judgments obtained by PALISADES COLLECTION LLC; JEFFERSON CAPITAL SYSTEMS, LLLC assignee of GLOBAL ACCEPTANCE CREDIT COMPANY, LP; LVNV FUNDING LLC as successor to ARROW FINANCIAL SERVICES, LLC; also original student loan debt suit in name of NATIONAL COLLEGIATE STUDENT TRUST
Thathiah, Melvin, first with HOSTO, then RAUSCH, then SCOTT, PARNELL & ASSOCIATES, PC  
Thomas, Juli, LAW OFFICE OF JULI THOMAS, files post-judgment garnishment actions for Credigy Receivables, Inc. and SOCA FUNDING LLC, freezing judgment debtor's bank accounts and draining them to collect judgment in whole or in part; SOCA appears as successor to UNIFUND CCR PARTNERS 
Tudor, Sarah M.
Turbyfill, Donald L. attorney with DEVLIN NAYLOR & TURBYFILL, PLLC in Houston TX 77056 suing for Justice Federal Credit Union, garnishments o/b/o TRUSTMARK NATIONAL BANK
Unger, Frederick L.  
Varner, Dominique - HUGHES WATTERS ASKANASE, LLP - on firm address block in debt suits by CY-FAIR FEDERAL CREDIT UNION
Vincent, Mark K., partner at VINCENT LOPEZ SERAFINO JENEVEIN, P.C. - Dallas, Texas 75201 This lawfirm sues on defaulted Wells Fargo Bank credit cards (Wells Fargo Bank, NA) and other creditors. Also see Mark Rechner
Vincent, Richard H. 
Watkins, Bruce Kirby
Watkins, Lisa White 
Wallace, Charles 
Wells, Brent D. - WELLS & CUELLAR, PC - Houston TX 77002

West, James A., ELTMAN ELTMAN & COOPER in Houston, files garnishment actions for CACV of Colorado LLC, and CACH, LLC, ARROW FINL SERV LLC (Arrow Financial Services L.L.C.)
Wiley, Kelvina Evette, sues for PRA

Williams, Kristin Jane 
Woodcock, Robert A., BLALACK & WILLIAMS, P.C.
Young, Dan G., name partner at JENKINS, WAGNON & YOUNG (JWY) - Lubbock, TX 79408, brings debt suits for VMS FINANCIAL, LLC and other creditors
Young, Michael James, staff attorney for Midland Funding LLC in Houston as of June 2015; previously with RSIEH (Rausch)- Dallas, TX 75248.. Michael J. Young, who is also licensed in Utah, used to work for a debt collection defense attorney and switched to the other side of the docket.
 
The above list includes attorneys who may since have ceased handling debt litigation for original creditors and/or debt buyers (assignees of creditors). It also includes some who engaged in debt collection for entities other than financial institutions and their assignees. Some attorneys get fired or switch firms. Therefore, the list may not reflect the latest status. No warranties are given in any event for correctness an up-to-date-ness. Check the State Bar of Texas (SBOT) website for the latest information on Texas-licensed attorneys, including whether they are still licensed. 

DEBT COLLECTION VS. OTHER LEGAL SERVICES: WHY IT MATTERS 

Whether an attorney's work and caseload consists primarily of debt collection  -- or only occasionally involves such work -- has a bearing on whether questionable conduct can result in liability under the Fair Debt Collection Practices Act (FDCPA), a federal consumer protection law, which does not cover attorneys who only occasionally engage in collection activity. Additionally, the FDCPA only applies to consumer debt and not all attorneys are covered, even if they do collection work regularly, when the debt is business debt or another category of debt that falls outside the FDCPA's specific definition of consumer debt.

Some debt collection attorneys/firms claim to be acting in the capacity of debt collector rather than attorney when they send dunning letters, even if they later file a lawsuit on the same debt and therefore act as attorney for the same creditor or its successor in interest (by merger or assignment).