Being sued for credit card debt

[Texas_Mom]

Hello, I am new here, still trying to figure out how this works. I am being sued for an old credit card debt. The attorneys office is claiming that I'm not just being sued for the debt but also for breaking my contract that they purchased from my original creditor. They have called several times since I received the citation from the court to try and get me to settle. I have tried to work out a payment plan with them, but they are demanding more than I can pay per month, screaming at me on the phone to go get a job and demanding that I give them my checking account information. I received a scheduling order that I don't know how to fill out, the court clerk can't give me any information, but told me that I would just have to show up on the appointed date. I don't have the money for an attorney, don't know what to do or what to expect when I get there. Anyone who can help in any way???

 

[seniorjudge]

Standard answer on expired SOL (statute of limitation) and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

Validation letters:

http://forum.freeadvice.com/showthread.php?t=353111

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com

Make sure you ask for VALIDATION (and do not accept verification).


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

http://forum.freeadvice.com/showthread.php?t=293829