TomnTex

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TomnTex last won the day on October 7 2015

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About TomnTex

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    700 posts and still alive....

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    Tex

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  1. TomnTex

    No money, no job.. best course of action?

    The only reason I gave the BK suggestion is if the OP has no job, no money and really was not up to fighting this, then the BK route was the easiest. But yes, their are many other ways to go about this, just depends on the effort they want to expend. Normally, I am up to fighting them tooth and nail and take no prisoners.
  2. re you in county court or district court because of the amount?
  3. Sometimes, mine did. But normally they stay on for seven to seven and a half years before falling off.
  4. TomnTex

    Debt collector trying to collect 10 year old debt

    NEVER pay a dime on it or promise to do so or you could reset the SOLO and be sued.
  5. Most likely you will get a default judgment against you if your not careful and it may be by sewer service.
  6. Go here and check out all the links on repo: http://whychat.5u.com/
  7. TomnTex

    Sued by Portfolio Recovery (TX)

    Good links TR, maybe you should post them in the Texas thread. Would be nice to have.
  8. TomnTex

    Sued by Portfolio Recovery (TX)

    Go here to find the closest NACA attorney for a free consult (normally) http://www.consumeradvocates.org/they can advise you.
  9. Not the way ABC News presented it. They said all collectors can call.
  10. If I heard it right, ABC news reported tonight, that it just went through Congress that, the debt collectors can NOW call your home phone, or cell phone by ROBO calling you. The only thing illegal is if they try and THREANTEN you. We need more research on it, but here it is, be aware.
  11. TomnTex

    Sued by Portfolio Recovery (TX)

    Sounds like they may have sued you in the wrong venue. You may be able to turn that around for a bit before they re-file in the right county.
  12. TomnTex

    Portfolio Recovery and DV letter

    Had they dunned you and you then sent them the DV? OR, did you just DV them out of the blue? If so, that was a bad mistake as you woke them up.
  13. TomnTex

    I did it! ACCEPTED!

    Good luck and congrats.
  14. TomnTex

    Can I Nail Midland on an FDCPA Violation?

    Do not pay them a dime or agree to a settlement. You could restart the SOL. The long it's on your CR the less damage it will do after a couple of years. Only if your buy a house or something major will it hurt you. Mine fell off after seven years, but yes, the can go 7.5.