What is Texas SOL on credit card collection?

I'm not sure how that would work out, but just make sure to show up to the court date. Let the judge know that you answered them and asked your own questions and they did not respond.

They still have to follow the civil laws of the state in the right for discovery and since they attempted to collect on this debt before I was served so this makes them fall under texas collection laws and have 30 days to reply to my validation letter, and it is way past that time frame. I have just sent them a second letter for validation (10 extra days) and gave them a warning to drop the suit or we can go to court and I can sue them in small claims court for the amount owed and fees. So wish me good luck and will keep this updated.

Good luck kajunking. You're right. In Texas, they must answer within 30 days one way or the other, if only to say "we haven't had time to validate". For those aware, state law can get many a collector in trouble, if they are collecting from out of your state. If they try anything, remind them that violations of the Texas debt collection act is also a criminal act, as well as a violation of your state's Deceptive Trade Practices Act. You can sue them under all of these.

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I know the Statue of Limitations is 4 years, but is that when the credit card charges off the debt, or is that the last time you sent a payment in or what?

The SOL starts from the date of last payment.

have gotten calls from a firm by the name of WCS stating they are collecting on a credit card account I didn'y pay. I made some payments to a company call first select sometime in 2001 or 2002 and after a disagreement stopped payment. Now this company has started calling and sending letters. I live in Texas where the credit card was obtained. I want to write a letter to them, what do I needas for