Texas is by far one of the best states for a consumer to be swallowed in unsecured debt. The laws in Texas greatly favors the debtor in a plethora of ways. So for consumers who are contemplating credit card debt settlement than Texas is the spot to be. For starters debt settlement is a process to decrease the amount owed on a debt, by falling past due on payments and then negotiating a lower payback amount. So the two primary problems are dealing with collection calls and the potential of being sued. In the great state of Texas both are greatly diminished. The cease and desist letter in Texas will stop both the original creditor and the debt collectors from calling. Texas also has a no wage garnishment law, and the ability to homestead a household so they cannot put a lien against your mortgage. These laws make performing Texas debt settlement very beneficial.