AboutChris Ebert Expertise I can answer questions for Texas and California residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas / California state collections violations.
Experience For the last 6 years I have worked as a Sr. Paralegal in a law firm (http://www.henleycreditlaw.com) that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped hundreds of client resolve their credit issues.
Organizations Henley & Henley, PC
Education/Credentials BBA University of Texas at Austin
Question Hello, I just received a call from a marketing firm stating that they are lawyers. The representitive stated that she was calling on behalf of GE capital. I had a credit card with them that was charged off. I contacted the company before the charge off to say I had lost my job and was living on unemployment. My son has many many medical issues because of his autism. I was so involved with this that I did not speak to GE Captial again. I heard nothing from GE Capital no letters were sent. NOTHING! Now 3 years later this so called attorney is stating that they are looking to sue me for $4500.00! which is $2510.00 more that the original bill. What can I do? I finally secured a job but this amount seems unfair.
Answer Joann,
First, in Texas and California creditors (or their attorney's) have 4 years from the date of last payment to sue you for debt. The game that collectors play is to get the amount owed as high as they can so when you settle they get back most of what you owed.
Since you admit this debt, I would negotiate a settlement with them. I have attached a debt settlement sheet we provide.
