Legal Question in Credit and Debt Law in Texas

Attempts to collect debt

I have a roommate that has not paid a $8000 debt on a credt card. Her limit is $5000. An attorney called her and said they had filedcharges and she was going to jail if she does not pay half the amount owed. Is there a chance this is true or is it harassment?


Asked on 8/20/04, 8:37 pm

1 Answer from Attorneys
Sharon Campbell Sharon K. Campbell

Re: Attempts to collect debt

If this is a credit card debt, the attorney has just violated the Fair Debt Collection Practices Act. In the United States, you cannot be imprisoned for failure to pay a debt. Threatening someone with criminal consequences for a civil debt is a violation of the FDCPA.

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Answered on 8/20/04, 8:43 pm


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