Legal Question in Credit and Debt Law in Texas

Yes, you can be sued. If you are sued, do some pre-trial discovery and make them prove the "repo deficiency" amount that they're suing you for.

In the meantime, I wouldn't set up any payment plans until they give you documentation about the amount, and how they calculated it.

It's a good idea not to talk to these people on the phone; bill collectors are human trash. Tell them you want to communicate IN WRITING, and that they should write you a letter. Then hang up the phone.

agreed but u must write them to put demand in writing...only written cease and desist phone calls are sufficient to stop harassment..but it does not stop the claim..and if u wish to protect yourself from a judgment, call a bankruptcy lawyer or debt consultors ..as we are..or contack Mr Dunn or others..