The statute of limitations for a debt in Texas is four years. Suing (or threatening to sue) someone for a debt that's outside the statute of...

Do I need to respond or file an answer?

Yes absolutely. You should not ignore it. And don't take the other side's word for it that they're taking care of it. They could end up getting a...

Actions such as calling employers or using fake docket numbers are violations of the Fair Debt Collections Practices Act (FDCPA) and Texas Debt...

Error on Credit Report

The credit reporting agency. Send a dispute to all credit bureaus reporting the error clearly explaining what the error is. The best way to dispute...

Can I sue an attorney for refusing to remove a false judgment against an innocent person?

Is this attorney actively trying to collect this judgment from you? What do you mean when you say the judgment is on your record? Is it on your...

You have what is called a mixed file. The credit bureaus frequently mix up two different people. Even though your SSNs and names are similar, it is...

It sounds like this debt collector is impersonating a Sheriff. If you can find out who the collection agency is, you could sue them for violations...

It is a violation of the Fair Credit Reporting Act (FCRA) for the dealership (or anyone) to obtain your credit report without a permissible...

Were you able to find out who the company was? You can check with local courthouses to see if there are any cases against you. There are many...

How do I handle a collection company who placed an account on my credit report without any contact before or after?

Does it say on your report who the original creditor is? That should give you a clue as to who they are collecting for. If the original creditor...