Palisades Collection

As far as the legality is concerned, Regent & Associates, is a collection agency and has a B rating from Better Business Bureau, although the law firm, Regent & Associates, L.L.P has been rated F by BBB. You may ask them to validate your debt.

You can refer to the sample debt validation letter:
http://www.debtconsolidationcare.com/letters/sample6.html

You are in Texas also? SOL for Texas is 4 years. They are a law firm, though I never heard of a firm personally serving..perhaps it was a process server?

Is Providian the plaintiff?

You can check the courthouse to make sure it is in fact a real suit, then you will need to file an answer. You can also ask for all documentation in discovery, though if it is the original creditor they will have it.

I'm in Texas also, and I've been doing a little research on them, just in case, I have several baddies out there, I figure are going to wind up in court. Anyway, I just been looking up court cases here in the county that I live in, and I've kinda noticed a pattern with the cases filed here by the Anh Regent, if the defendents answered, the majority of the cases were dismissed. Why ? I have no ideal. they may have figured it wasn't worth it if the defendant was going to fight back, so they got dismissed, may be other reasons, don't know. but of course the ones that defendant didn't file answer got default judgement. So, Do File An Answer. Do you know when the last payment was made on the account? I know you said it was charged off in 2007, but depending on the date of last activity it may be out of SOL.

The reason many cases are dismissed like that is because the defendant answered. There are quite a few collection lawyers who go for the easy win. They likely realize that if the defendant answered they will likely ask for proof of the debt and many older debts just don't have that proof, so they drop the case and go on to easier pickings.

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Yeah, if the court orders you to appear for something other than the initial court date, you should always appear. This doesn't happen very often though, they simply get the default judgment and try to get as much as they can out of the person.

I am wondering if this deposition you are talking about is one to ascertain the defendants assets.

Just found a wet citation all over my yard from this group. Never even rang the bell just tossed it on the porch during a rain storm. Say they are suing my husband. Well I contacted a lawyer friend and I plan to take it to court.

That's called substituted service, Texas debt collector style. If Regent doesn't drop the lawsuit, he can be defeated.