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What do I do?

Date: Wed, 07/05/2006 - 14:20

Submitted by anonymous
on Wed, 07/05/2006 - 14:20

Posts: 202330 Credits: [Donate]

Total Replies: 4


I've recently been getting disturbing phone calls that I assume are from collectors but who say they are from a law firm saying I need to pay off a debt. I live in Texas. The last time I made any payments to any credit card was before I last my job in 2000. They are threatning with a lawsuit. I would pay if I could. I cant even afford my child's medications, much less pay off these credit cards. I tried talking to them but they needed at least $800 for a first payment. Which to me would mean either pay the rent or pay that off. This is the first time I have heard of any law suit against me. They've been calling my relatives. That's how I first heard about this lawsuit they want to file against me. Otherwise I would have not known any of this. What do I do now?


Are you sure that you haven't paid anything after 2000? If so, this debt is past the SOL period and you can legally refuse any payment now. The company will insist you to make a small payment so that the SOL gets renewed and you are brought back under legal collections.

Make sure that the collector is authorized to do this collection. Ask for a debt validation in writing. If they fail to send anything in writing, you are sure that they don't have your file and are making a false collection. If they send something in writing, notify about the expiry of the SOL. (You must have this information confirmed before sending the letter.) Once they have received your notification, you are free from this issue. Send your letter through certified mail with return receipt requested and keep a record of it in your file.


lrhall41

Submitted by Gretchin on Wed, 07/05/2006 - 14:40

( Posts: 482 | Credits: )


Thanks for your reply. Yes I'm sure I didn't make any payments. I lost my job and was almost homeless. How do i get proof of when my last payment was? Would I get it from a credit report?


lrhall41

Submitted by on Wed, 07/05/2006 - 14:58

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