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Nope. The jpeg of the papers they were served with indicates Texas 192 rules which means District/County court. Zwicker is starting to use the state level to avoid having to get permission for discovery and to force pro-se defendants to have to follow ALL the rules.

Usually if you enter a settlement, it will contain language, something to the affect of you waiving or agreeing to release any and all claims against whoever you settle with. Have they offered to settle with you? Mind you my experience with settlements are when I have sued or threatened to sue someone and received a settlement from that party. I have never received or been involved in a debt settlement. Always only had dismissals with those.

I wouldn't think so. Again, simply making her an authorized user on his credit card doesn't mean her prior present or future bad credit goes on his reports other than that specifically used with that specific card she is authorized to use. Now, if Bob on the same account he authorizes a card for Alice on, destroys his credit with that card, in turn that negative credit will also appear as it relates to the use of that card account specifically on Alices reports as well.