Legal Question in Credit and Debt Law in Texas

Secondary debtor

I received a collections letter from a company claiming to have ''taken over'' an old debt from Citibank, where I held an account with as a student years ago in California. I now live in Texas. The charges were inaccurate, and from my research, some were incurred long after I left the US for a period. The amount owed to Citibank was from an account that was apparently closed in 1997 - 1998. I have sent letter to this company disputing the debt, but they sent another letter proposing a settlement, or bring suit against me, despite my letter. What rights do they have having claimed to have ''bought out'' Citibank's account? Is there such a thing? How can I stop them from harassing me?


Asked on 10/15/03, 11:03 pm

1 Answer from Attorneys
Peter Bradie Bradie, Bradie & Bradie

Re: Secondary debtor

An account may be bought from the original creditor. That's very common.

You can stop them from harassing you by writing back to them, certified mail return receipt requested, stating that you dispute the validity of the debt, that any legal action is barred by the statute of limitations, and that all subsequent communications are to be in writing only.

If they bring suit against you, call me.

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Answered on 10/16/03, 9:46 am


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