Yes, in many cases. Texas has a 4-year statute of limitations on most consumer debts — meaning a collector cannot sue you after 4 years. But a verbal promise to pay, partial payment, or written acknowledgment of the debt can restart that clock. If a collector calls about an old debt, do not agree to pay anything until you know how old the debt is and whether the statute has already passed. This is one of the most common ways consumers accidentally give up legal protections.
Does a promise to pay restart the statute of limitations on old debt in Texas?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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