Mission, TX asked in Collections for Texas

Q: Can I fight a collection if I was never notified of bill being past due. All notifications were mailed to wrong address

Have been put out for collection by HOA over a automatic payment that did not process. HOA sent all correspondence to an old address even tho they had a document saying that all correspondence was to go to the new address. 204 dollars has turned into problem with damage to credit because of no notification. Can i fight and win this and have all collection fees and credit report items removed?

Related Topics:
1 Lawyer Answer
Samuel John Ford
Samuel John Ford
  • Consumer Law Lawyer
  • New Orleans, LA

A: While an attorney will have to review the details of your situation, it sounds like you have a viable claim to challenge the collection actions and credit reporting of the alleged debt. Federal and state laws protect consumers from wrongful collection and credit reporting practices.

I recommend speaking to a consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations.

**Please note that the above is general information and not subject to an attorney-client relationship or intended to be legal advice.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.