You can’t be arrested for a debt in Texas. If it really was a law firm or legitimate collection in Dallas that made that threat then they would be...

How long is statue of limitation for a returned check ? What about harassment ?

I agree with Lu Ann, this is a scam the debt is past the statute of limitations and these guys are not going to do anything.

Yes, she could sue you in Justice of the Peace (JP Court) for the money. The text messages can be used as evidence of the loan and the terms by...

If it was from 2011 and you haven’t made any other payments on the debt then it is past the statute of limitations and their threat of a lawsuit...

Is it really a loan and could I be required to pay it back?

If your mom does sue you then it will be her and the purported witness’ word verses yours. You could show that in the past when she has loaned you...

Can I pay negotiable price $5,000 for debt collection, even though debt collection website show $13,512.43 as settlement offer?

Agreed what’s important is the letter they sent you. It has the same language that I see in most settlement offer letters. You can pay the...

Most likely yes. I have defended thousands of debt lawsuits and I’ve dealt with everyone that files these cases on behalf of creditors and I’ve...

If you stay current with one of the vehicles then Ally would not be able to legally repo that vehicle. Each vehicle financed with them has a...

If you were an authorized user on the card then you had their permission to use it. It sounds like you have been an authorized user for several...

Merchant over billed me?

I would immediately dispute the charge with your credit card company. He can send you whatever bills he wants, but the bottom line is that you...

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