Texas Credit Report Laws
2010
I had a charge off on my credit report that recently came off. Can a collection agency put it on again?
The date of 1st delinquincy was June of 2002. The charge off came off of my credit report last year. Today, I received a letter from a collection agency stating that they are trying to collect this debt. My question is, now that it’s off of my credit report, can this agency sue me or turn it against my credit again? I live in Texas, and the law here states that it can show up for 7 years. Thanks for the help!! Please, no rude answers :0)
No….they can’t put it back on…there’s only one 7 year cycle.
Technically, a debt collector can come after you forever for defaulted debt…however, once the statute of limitations is up (in Texas this is 4 years)…they’ve lost the power to successfully take legal action. They are powerless over you and you don’t have to pay the debt back. Per the Fair Debt Collection Practices Act, you can send them a “cease communications” letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped.
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To speed things up, fax this same letter to the collection agency. Free fax service at: http://www.myfax.com/free/
Credit Repair SHOCKING SECRETS to STOP 3rd Party DEBT Collectors DEAD in their Tracks!
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