Legal Question in Credit and Debt Law in Texas

credit card collection

Can a collection agency force me to pay a debt after more than 7 years? I co-signed with another person for a credit card in or around 1993 or1994, and then this person disappeared. According to the agency, the last time this person sent a payment was back in 1999.

Thanks for your help.


Asked on 4/25/06, 6:14 pm

2 Answers from Attorneys
Peter Bradie Bradie, Bradie & Bradie

Re: credit card collection

You're golden if you're in Texas. The statute of limitations on a debt is four (4) years.

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Answered on 4/25/06, 8:31 pm
TC Langford Langford Law Office

Re: credit card collection

Mr. Bradie is correct, but sometimes these collection agencies file suit anyway. If you get sued you need to file an answer that properly presents the affirmative defense of the statute of limitations. Do not acknowledge this debt in writing at all.

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Answered on 4/26/06, 8:01 am


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