Legal Question in Credit and Debt Law in Texas

My car was repossessed about 3 years ago. The debt transferred from the bank to a collections agency. I was on a payment plan with the debt collection company. I did not pay the full amount of the loan, but they stopped calling for about a year and did not make payment arrangements. I recently received a call letting me know that my loan is now being collected by the original lender, in which the collector was extremely rude, argumentative and defensive. Is there something I can file against the company for this treatment and for the fact that they didn't call me for a year+ and now they are trying to collect the money again?


Asked on 11/02/12, 7:43 pm

1 Answer from Attorneys
Mark Dunn Mark D. Dunn

Why are you talking to these people at all?

If they send you mail, put it into a box and forget about it; if they call you, hang up immediately.

This has already affected your credit rating, and my guess is that nothing you do can make it worse.

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Answered on 11/04/12, 12:54 pm


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