Texas statute of limitations

Basically the Sol starts the day you stop paying them. Here is some good news I want to add. Texas is a non-garnishment state.

Someone correct me if I am wrong but I believe the cause of action is the date of default on the debt which is the reason, or cause, for action. In most states it is the date of the last payment or acknowledgment of responsibility.

I believe you are absolutely correct frogpatch.

By a non-garnishment state, what does that mean exactly?

That even if i get a judgement I cant be forced to pay?

There are several states like PA, TX ,SC and NC , and sometimes FL. Basically means that even if they sue you they can`t make you pay. It still looks bad on your credit to have a judgment though. One positive way to look at your situation is that it gives you a lot of leverage to settle for even less than 40 % in many cases.

Hmm. I never realized that. You would think that would make trying to serve someone fruitless as they wouldnt likely be able to even cover their lawyer fees.

They can still get liens on your assets however.

Collection agency calls me tonight to try to collect a debt from 13 years ago, when I lived in Texas. I know I paid this bill before I left Tx --- I feel scammed. Besides, after quick research, I've learned that Tx has 4 yr SoL. How can they still call to collect?

These junk debt collectors can call try and call to collect a debt but since it is way past the Statute of limitations they really have no way of making you pay. Just send them a debt validation letter to make them prove the debt which they won't be able to do and they should back off. If they don`t after that send them a cease and desist letter. Be sure to send these letters certified mail so they have to sign for them so if they continue to harass you after they received the letter you can sue them. Also be sure not to pay them a dime and don`t even make a promise to pay or you will restart the statute of limitations and then they would be able to legally sue you for the debt.

after hurrican ike blew over and under Galveston island,when is it legal to retrieve articles such as recycling the metal left behind?

I live in Texas and my wages were garnished. It was on a student loan though if that makes a differance.

Student Loans are handled differently. When I was contemplating filing for bankruptcy many years ago - Student Loans were one of the things that a bankruptcy would not discharge.

Well from what I know can be garnished in the state of texas is Child support, Student Loans , and the taxes stuff from the IRS