Q: What are my options if I received a civil lawsuit notification for a 7-year-old debt?
I am in Texas. The payday loan was taken out at least 9 years ago. I fell on really hard times and was unable to continue making payments after approximately 4 payments.
The notice from a legal geoup in Virginia states it is my 2nd notice although I didn't receive the1st.
I received the notice in the mail on the due date that is on the letter.
The letter also states thst if payment isn't made by the due date, their intent is immediately have me served by the sheriff's office to appear in civil court for further actions.
A: Wait to be served by a sheriff. Then take the papers to an attorney to discuss whether to plead that the statute of limitations bars the lawsuit at this time.
A: They may, or may not, sue. You can try to negotiate a payment. You can consult with attorneys to see if you have a defense or a counter lawsuit. You can explore bankruptcy.
A: NOTICES: There are strict time deadlines so that you must file your lawsuit in Court or take other action or be forever barred from relief. This is just general information and not legal advice. The information is applicable to Nevada or California only and you must refer to your own state’s laws and rules.
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