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    recentlyrlsd's Avatar
    recentlyrlsd Posts: 5, Reputation: 1
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    #1

    Jul 23, 2010, 09:46 AM
    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
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #2

    Jul 23, 2010, 09:47 AM

    Yes
    recentlyrlsd's Avatar
    recentlyrlsd Posts: 5, Reputation: 1
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    #3

    Jul 23, 2010, 11:18 AM

    Thanks Scott, I'll go for it. Any idea how this might play out?
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #4

    Jul 23, 2010, 11:29 AM

    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.
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    #5

    Jul 26, 2010, 09:37 PM

    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.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #6

    Jul 27, 2010, 03:32 AM

    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.
    recentlyrlsd's Avatar
    recentlyrlsd Posts: 5, Reputation: 1
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    #7

    Aug 2, 2010, 10:07 PM

    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,
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #8

    Aug 3, 2010, 03:18 AM

    Nope, Nor does the fact that its charged off matter.
    recentlyrlsd's Avatar
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    #9

    Sep 20, 2010, 07:32 PM

    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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