Legal Question in Credit and Debt Law in Texas

Credit Card Debt
I received 2 credit cards after filing for bankruptcy to rebuild my credit.The limits were both set at $300.Due to problems I encountered I was not able to keep up the payments & now with finance charges, etc the balances are over $1000 each.I have recently been contacted by a firm that said if I don't pay they will file a suit against me.I informed them that I want to pay this debt & ask what options I had.They said they would offer a settlement but had to submit 3 lump sum checks by phone.I informed them that I could not do the large amounts they requested.The firm left a message on my cell that seemed to threaten me on taking a course in regards to my vehicle.Can they take my vehicle or put a lien on it or anything like that?I received another phone call from them today & they asked what I was capable of doing & I told them $30 per month.They demanded that I give them my checking information to do the checks electronically.I told them I didn't feel comfortable with that from past experiences & that I would mail or overnight payments to them.He said no and then hung up.I want to clear this debt but it has been sold so many times I don't know who to contact, what can I do?

Asked on 1/10/05, 4:09 pm

Andrew Traub The Traub Law Office, P.C.

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Re: Credit Card Debt

They may have violated the fair debt collection act. You should speak to an attorney about this.

www.andrewtraub.com

Answered on 1/12/05, 12:10 pm

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