Outstanding Debt - Creditor Pursueing Legal Action

[vvaagg]

Texas: My father received a letter from a law firm requesting that he respond within 30 days of receipt of the letter to dispute/discuss an oustanding credit card balance. My father lives on limited income ($800 month ss benifits) and sufferred a heart attack in 2004. At that time he stopped making payments to his credit card with a balance of $8000. My sister and I reached out to the creditor and explained my fathers situation and asked if we could settle on a payoff amount. The creditor declined and as time passed by they stopped contacting my father. We assummed they charged off the account but now my father has received letters from a law firm indicating the amount owed is $16,000 which does not include interest, legal fees, etc. My father does not own a vehicle and only has his home which he continues to pay. What can we do at this point to resolve. Please advise.

Thank you

[OP85063]

What was the last time, there was a payment made to the account?

After a certain amount of years, they can't sue you for it, because of statute of limitation. I'm not sure how much year is Texas, but I'm sure someone will come in and let you know. If it's a law firm, you can ask for validation of the debt. PM ME your email, i'll send you a letter you can edit it and send it to them. If the fail to validate within 30 days, you can ask them to stop contacting you and remove it from his credit report if it's on there.

I'm sure these guys will help you out more.

GL

[Texas Pooh]

Four years here in Texas, unless the statute stopped due to an absence from the state. We really need to know when the last payment was.