Legal Question in Credit and Debt Law in Texas

I have gotten three phone calls since January stating that I have a past-due credit card that hasn't been paid on since 2005. I have requested information in writing but have not received any as of yet. They are saying they are going to serve me w/papers to sue me for the balance. Do I have a right to get this information in writing for the specifics of what I owe. Can they serve me w/papers for a case I know nothing about. Has the time limitations for this account passed? I am very concerned about this but don't want to send them that much money based on a phone conversation when I have nothing in writing. How should I proceed?


Asked on 3/03/11, 3:58 pm

1 Answer from Attorneys
Charles Williamson Charles J. Williamson, Attorney At Law

The next time they call, remind them that, under the Fair Debt Collections Act, you are entitled to a written description of what the debt is for, who its owed to, and so on. You are also entitled to the address of the collection agency that's calling so that you can send them a letter directing them to stop contacting you. If they refuse, tell them that the phone call is being recorded (they hate to hear this because it shows they're breaking the law).

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Answered on 3/03/11, 9:24 pm


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