If you hold a civil judgment against a defendant in Texas, your ability to collect depends on three things: knowing where the defendant lives today, knowing what they own that’s leviable under Texas law, and knowing how long you have to act.

VerdictIntel runs all three. Licensed in Texas. Court-admissible reports. Senior investigator review on every case.

Texas judgment law at a glance

• Judgment duration: 10 years initial term.
• Renewal: Judgments become dormant after 10 years unless a writ of execution or scire facias is filed.
• Post-judgment interest: Post-judgment interest set by the Texas Office of Consumer Credit Commissioner (currently around the prime rate, capped between 5% and 15%).
• Wage garnishment: Texas does not allow wage garnishment for most consumer debts (only for child support, taxes, and student loans).
• Homestead exemption: Unlimited acreage in rural homesteads; 10-acre cap in urban homesteads. Strong protection.
• Courts of original jurisdiction: District Court and County Court at Law for civil matters.

What this means for your case

Texas is one of the most debtor-friendly states. No wage garnishment for most debts and unlimited homestead make bank levies, vehicle levies, and turnover orders the most productive enforcement tools. Asset searches in Texas focus heavily on real-property holdings outside the homestead, business entities, and bank indicators.

Our services in Texas

• Defendant Locate — current address, phone, email, known associates. From $49 flat. 24–48 hour turnaround.
• Standard Asset Search — comprehensive in-state report. From $247 flat. 5–7 business days.
• Skip Tracing — multi-source location work for evasive defendants.
• Judgment Monitoring — quarterly surveillance to flag changes in the defendant’s financial picture.

How to get started

Submit a case through the form on our home page or call 346-396-2500. A senior investigator will respond within one business hour during business days.

This page provides general information about Texas judgment-enforcement law and is not legal advice. State law changes; verify current statutes with counsel before relying on this summary. VerdictIntel is an investigative agency, not a law firm.