Legal Question in Credit and Debt Law in Texas

Default on loan purchased by another company

My husband and his 1st wife evidently purchased a used thunderbird in 1997 and financed it at the dealership. The car was a lemon and they returned the vehicle to the business after about three months. They divorced and we married in 2001,we have checked our credit reports quite frequently to clear any debts and have never noticed anything owed to the company he remembered financing the car at. We are now getting harrassing phone calls from a 866 number that the called states is a law firm that has purchased the car loan because it has gone out of business. No one has ever contacted us on any money owed on the returned vehicle. Is the so called law firm required to inform us of their name and can they continue to harrass us? Also, can they file a lawsuit on my husband?


Asked on 5/03/06, 2:34 pm

1 Answer from Attorneys
Peter Bradie Bradie, Bradie & Bradie

Re: Default on loan purchased by another company

Whoever is calling you is required to identify themselves, and give you a mailing address. Once you have that, you send them a letter, certified mail, stating that you dispute the debt, limitations has run, and all subsequent communications are to be in writing.

Don't mess with the telephone, because that doesn't leave a record unless you are prepared to tape the conversation.

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Answered on 5/03/06, 6:10 pm


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