The answer to the above question is yes.  Texas debtor laws are second to none when it comes to protecting the consumer in debt.  These laws prevent lawsuits from being very effective for the collection agencies and they also help the consumer to deal with the plethora of collections calls that will no doubt incur from going through debt settlement.  Texas debt settlement programs for many debtors will be the best option for them to become debt free.  It is the only debt relief process that will save a tremendous amount of money and time on what is owed.  Becoming debt free should be the most important thing for something deep in the hole.