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-   -   Credit card company suing me in Texas (https://www.askmehelpdesk.com/showthread.php?t=491128)

  • Jul 23, 2010, 09:46 AM
    recentlyrlsd
    Credit card company suing me in Texas
    Discover is suing me for 2,000 over a credit card I stopped using and paying for in 2007. I went to prison and was released a few months ago, I owe the Feds so they are taking 10% of my income and I am starting to pay off my school loans. I've searched all through the site and found lots of help but I'm not sure if I should try and fight this.
    Should I file an Intent to Defend & a Discovery and go from there?
    Thanks in advance for any advise
  • Jul 23, 2010, 09:47 AM
    ScottGem

    Yes
  • Jul 23, 2010, 11:18 AM
    recentlyrlsd

    Thanks Scott, I'll go for it. Any idea how this might play out?
  • Jul 23, 2010, 11:29 AM
    ScottGem

    If it's a junk debt collector, you might get out of it or you might get offered a settlement. If not, you will probably have a judgment placed against you.
  • Jul 26, 2010, 09:37 PM
    recentlyrlsd

    I just got a letter today from the same attorney representing Discover, this letter is threatening to file a lawsuit against me if I don't pay off my Capital One balance. Did this lawyer buy these debts or something? Same lawyer, two different CC companies.
  • Jul 27, 2010, 03:32 AM
    ScottGem

    Don't know, doesn't matter. As long as they have a right to collect the debt whether as the current owner or assigned by the owner.
  • Aug 2, 2010, 10:07 PM
    recentlyrlsd

    This debt was "past due as of Feb 2007, Charged Off as of Aug 2007" The Statute of limitation is 4 yrs where I live in TX, but 3 yrs in Delaware, where they are. Any way of using their SOL instead of mine? Thanks,
  • Aug 3, 2010, 03:18 AM
    ScottGem

    Nope, Nor does the fact that its charged off matter.
  • Sep 20, 2010, 07:32 PM
    recentlyrlsd

    Postman tried to deliver a certified letter from the lawyer when I wasn't here, any idea what it could be? 5 days before trial? The trial was moved from Wed to Fri, but doubt the lawyer would be so eager to tell me that.. Should I go pick it? Thanks,

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