The Texas Deceptive Trade Practices Act requires that before filing suit a plaintiff send to a prospective defendant a demand letter. Each letter is different, just as each case is different. I try to not just threaten the other party but explain what actually happened. It is an attempt to humanize my client to what is probably a big company that could care less. If I can get them to see my client as a person, to be interested in their story and to care then maybe we can settle without filing suit.

In this case my client paid his car payment but for some reason the financing company considered it late and reported the payment as late to the credit reporting bureaus. This damaged my client’s credit rating and prohibited him from operating his small business as he normally would because he couldn’t take out a line of credit.

Please see full demand letter below for more information.