Start My Answer

How to Beat WCTCB

Dena Standley | June 19, 2023

Edited by Hannah Locklear

Summary: Failing to pay a debt may lead to an unwelcome response from WCTCB debt collectors. WCTCB can be relentless in their efforts to ensure you start making payments, and they might even take you to court in order to collect what you owe. If you get sued by WCTCB, SoloSuit can help respond in court and increase the chances of winning your case.

Persistent debt collectors have mastered getting on your nerves with their endless calls and emails. Worse still, they may even threaten you with dire consequences if you fail to pay.

West Central Texas Collection Bureau (WCTCB) uses methods of harassment and bullying in an effort to collect debts. They invest in training their employees to use tactics to increase their chances of getting consumers to pay. Hence, knowing your consumer rights under the Fair Debt Collection Practices Act (FDCPA) will help you beat them at their game.

In this article, SoloSuit will help you beat WCTCB, not matter what stage of the collection process you find yourself in.

Sued for debt? Settle your debt before going to court with the help of SoloSettle.

Settle with SoloSettle

Make an Offer

What is the West Central Texas Collection Bureau, and how does it work?

The West Central Texas Collection Bureau (WCTCB) is a debt collection agency based in Abilene, Texas. It has been in business since 1909 and specializes in collecting delinquent accounts for various industries, such as:

  • Medical providers
  • Utilities
  • Telecommunications companies
  • Financial institutions

The debts that WCTCB collects include medical bills, loans, and credit card debt. In addition to collecting outstanding debt, WCTCB also buys long-standing debt from its clients and resells it to willing debt buyers.

How WCTCB works

Once you fail to pay your credit card debt or loan, your creditor or lender hires WCTCB to collect. WCTCB creates an account and gathers your debt information from your creditor. Next, WCTCB collectors contact you requesting payment via email, letter, voicemail, or call.

If you ignore their attempts, they persist and may sometimes cross the line to persuade you to make payments. When all else fails, they may take legal action and send a lawsuit letter.

Complaints against West Central Texas Collection Bureau

As one of the oldest debt collection companies in the United States, WCTCB has received a considerable number of complaints but not as many as other debt collection companies.

For instance, the Better Business Bureau records only a handful of complaints against WCTCB in the last three years, and the Consumer Financial Protection Bureau (CFPB) has received even less.

These complaints range from talking to unprofessional agents, inaccurate debt added to credit reports, harassing calls, and lack of debt verification. Here is an example from the CFPB complaint database (edited for clarity):

“I sent a request to validate that a debt on my report is accurate with the West Central Texas Collection Bureau for account number XXXX. The company responded without validating or proving that the debt was legally mine. FCRA states information reporting has to be 100% verifiable and 100% accurate, otherwise, the information must be removed under federal law. The West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit score. I intend to litigate if they do not remove this file from my credit report.”

The above consumer has an increased chance of beating WCTCB in court it did not send an accurate response to the consumer’s Debt Validation Letter.

Exercise your rights when WCTCB contacts you

When consumers know their rights, they reduce the likelihood of being exploited by debt collectors. Debt collectors are known to violate your rights, and you can beat WCTCB by mentioning the FDCPA when communicating with them. These laws state that WCTCB should not:

  • Call you multiple times a day for the same debt
  • Contact your loved ones, friend, or co-workers regarding your debt
  • Use abusive, demeaning, or rude language
  • Threaten you with arrest or taking your sensitive documents

If WCTCB has violated your rights, submit a complaint to the Fair Trade Commission website, BBB, or CFPB, and report them to the Texas attorney general's office.

Learn more about how debt collectors violate the FDCPA from our guide: FDCPA Violations List.

Use these steps to respond to West Central Texas Collection Bureau Lawsuit

WCTCB has a right to sue you for the debt you owe their client. If you ignore their requests or fail to start making payments, chances are WCTCB will file a debt lawsuit against you and serve you a Summons and Complaint. Fortunately, you can still fight the lawsuit and the debt with these three steps:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court, and send a copy to WCTCB’s lawyers.

Keep reading to learn more about each of these steps or watch the following video to learn more:

1. Answer each claim listed in the Complaint

In the Complaint document, you will see a section where WCTCB have listed their allegation against you. You must answer this using one of three responses:

  • Admit: You accept that the allegation is true.
  • Deny: Request WCTCB to prove that the allegation is true.
  • Deny due to lack of knowledge: You don’t know.

Most attorneys recommend denying as many allegations as possible if you plan to fight back. Admitting everything will most likely cause you to lose the case. Instead, denying can be a great way to force WCTCB to prove their case in court.

2. Assert your affirmative defenses

The following section allows you to state why you are not responsible for the debt. You can also mention any errors WCTCB made while handling your debt. Some affirmative defenses you can use include:

  • The debt has exceeded the statute of limitations.
  • WCTCB has not proven it got permission to collect on behalf of the original creditor.
  • The debt was canceled, or you paid in full.
  • The debt amount is inaccurate or wrongly reported.

This section is often challenging for consumers to fill. SoloSuit can help you write the correct responses using our already drafted Answer.

3. File the Answer in court, and send a copy to WCTCB

You have 14 days to file your Answer in the court before WCTCB has the right to request a default judgment against you. In other words, if you don’t respond to the lawsuit within 14 days, you will probably lose the case automatically. So, after completing the Answer, make three copies, send one to the courts, the second to WCTCB lawyers, and keep the last one in for your records.

SoloSuit can help you file an Answer in all 50 states, including Texas.

Now, let's take a look at an example of how to beat WCTCB in court:

Example: Joseph owed a credit card debt of $2,500 and after months of missed payments and ignoring his creditor, they charged off the account and sold it to West Central Texas Collection Bureau. Joseph continued to ignore WCTCB when they came to collect. After several months, WCTCB sued Joseph for the debt, plus court costs and attorney fees. Joseph found SoloSuit online and decided to use SoloSettle to negotiate a debt settlement with WCTCB's lawyers. With the help of SoloSettle, Joseph was able to settle the debt for 70% of the original amount, avoid going to court, and cut out the courts costs and attorney fees.

Negotiate debt settlement with West Central Texas Collection Bureau

Another way to beat WCTCB is to request them to settle the debt for less than you owe. The catch is that you must pay the entire amount you agree to or make the payments in less time.

Debt settlement is a great way to avoid going to court. If you know you owe the debt, and you have enough money to pay off a portion of it right now, contact WCTCB to discuss debt settlement options.

Otherwise, SoloSettle can help you start the debt settlement negotiation process. Our software helps you send and receive settlement offers until you reach an agreement with WCTCB. Then, we help you manage your agreement documentation and transfer your settlement payment to WCTCB, keeping your financial information private and protected.

To learn more about how debt settlement can help you beat West Central Texas Collection Bureau, check out the following video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather

Get Started