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How to Resolve Debt With West Central Texas Collection Bureau

George Simons | December 19, 2024

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: WCTCB collects unpaid debts for various industries. Resolve debt by negotiating a settlement, responding to lawsuits, and knowing your rights under the FDCPA.

Receiving multiple phone calls and letters from West Central Texas Collection Bureau (WCTCB) about an unpaid debt can be anxiety-inducing. Ignoring these communications is not productive and will not make the debt go away. The best option is to engage in proactive communications with WCTCB to discuss the unpaid debt.

In this article, SoloSuit will help by providing tips and recommendations on how to resolve a debt that is being collected by WCTCB, no 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 debt with West Central Texas Collection Bureau

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is the West Central Texas Collection Bureau?

The West Central Texas Collection Bureau (WCTCB) is a debt collection agency based in Abilene, Texas. It has been in business since 1909 and

Who does the West Central Texas Collection Bureau collect for?

WCTCB specializes in collecting delinquent accounts for various industries. More specifically, WCTCB collects for:

  • 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.

Settle debt with WCTCB for less

Another way to resolve debt with 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, contact WCTCB to discuss debt settlement options. Engaging in good faith negotiations oftentimes leads to an amicable resolution where you will only be on the hook to pay a percentage of the amount owed.

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:

Read West Central Texas Collection Bureau reviews online

If you are curious to learn what consumers have said about their experience with WCTCB on a debt collection matter, then take a moment to read these reviews:

Most of these WCTCB reviews report complaints about negative experiences dealing with the company, but there are also several who shared very positive experiences. It’s clear that the people who are willing to communicate with WCTCB typically reach a resolution faster and with less tension.

For example, Regina was able to work with WCTCB to settle several accounts and get them removed from her credit report:

“When trying to fix credit and pay off old bills, the lady over my account was very helpful and told me what bills to pay first to pull my credit score up fast. When I began, I had quite a few and with her help I am down to just one on my report still. And she made sure they dropped off my report as soon as they were paid, just like she said they would. I wish all creditors were as great as they were.”

As you can see, when you willingly engage in a conversation with WCTCB, you can negotiate a payment plan that works for you.

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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.

Respond to a debt lawsuit in Texas.

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 resolve debt with WCTCB:

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 hired West Central Texas Collection Bureau to collect it. When WCTCB started calling, Joseph wasn’t sure what to say. Since he had recently lost his job, he knew that paying the debt wasn’t an option. He used SoloSettle to make an offer to settle the debt and explain his current financial situation that was making it hard for him to pay. 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 court costs and attorney fees that would have been added to the debt if he ignored it any longer.


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