Houston, TX asked in Consumer Law for Texas

Q: How does the statute of limitations work on almost 20 yr credit card debt

I had a Litigation company call me and tell me that I was going to be taken to court and get my wages garnished if I did not pay this old credit card bill. They said they mailed me letters but I have not received anything. I asked them to verify my debt because it was past the statute of limitations and they said they would not. They were only calling to give me a chance to settle. They sent me a notice letter through Docusign with todays date that they supposedly had been mailing me. Should I get an attorney?

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1 Lawyer Answer
Adam Savett
Adam Savett
  • Consumer Law Lawyer
  • Allentown, PA

A: Yes, you should find a qualified lawyer who handles FDCPA matters.

Many offer free initial consultations.

You can find lawyers here on Justia, or other directories such as Avvo.

You can also contact the Houston Lawyer Referral Service, who can refer you to pre-screened lawyers who offer low cost intitial consultations - https://hlrs.org/

And don't sign ANYTHING from the "litigation company" unless and until you have consulted your own attorney.

Good luck.

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