If you have a general question you can contact our Consumer Assistance helpline and speak with one of our Investigators 1-800-538-1579. If you owe a debt, act quickly — preferably before it's sent to a collection agency.Complete the Non-Depository Supervision Complaint Form or draft a letter of complaint. The complaint should include the name and office location of the entity. This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Texas. Texas repo laws are fairly simple. A creditor can file a lawsuit seeking an order to begin the car repossession process. 2. How much money are you being sued for? Know that under Texas law your complaint is open to the public.