Legal Question in Credit and Debt Law in Texas

Sued by a debt collector (DC)

I received a Citation saying I and my small biz are being sued by a debt collector. I had a small business and accepted a 0% credit card offer for my business from the original creditor (not the DC). The very first statement came back with 22% (I compained) and went up monthly until it reached 29% even though I had no change in credit rating and was never late on payments. My biz wasn't profitable, so I found a job and shortly afterwards my daughter, husband and I all had major surgery and racked up thousands of dollars in medical bills and I got laid off in the midst of the medical crisis. I couldn't keep up payments and notified the creditor of my situation. I stopped using the card 1 yr before lay off. Now 2yrs later I'm being sued by a debt collector that supposedly has been ''assigned'' the credit card account. Suit says the DC was ''assigned'' the debt. I responded to the court within timeframe letting them know I'm unemployed, but I never said I owed this debt. Court date set, but later received a letter about mediation. Do I have to answer the ''Facts to be admitted or denied'', Interrogatories'' and ''Request for Disclosure'' in citation before court date or mediation? Can't afford attorney, not sure what to do.


Asked on 1/29/09, 6:03 am

1 Answer from Attorneys
Donald McLeaish McLeaish&Associates;, P.C.

Re: Sued by a debt collector (DC)

You need to answer..and if the debt is substantial..call an attorney..they are cheaper than you think. Under the facts you allege..you may have a claim against the credit card company. So call an attorney..

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Answered on 1/29/09, 10:16 am


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