You are here:
- Home
- Business
- Corporate Law
- Collections Law
- Being Sued by Credit Card Company
Collections Law/Being Sued by Credit Card Company
Advertisement
Question
I'm in Texas. I was served with papers to appear in court due to a credit card company (Providian) sueing me for a past debt that occurred in 1999. They are sueing me for $1800. I know that credit limit was less than that. I think are around $1000. Should I get a lawyer?
T:
Yes, you would be of sound reasoning to counsel with an attorney. Dean Malone and Craig Jordan are both excellent consumer attorneys in the State of Texas.
With that said, I find it highly unlikely that Providian has brought this action inasmuch as it is now defunct and their business model was geared in the fashion of selling paper as soon as it charged off their books. It would be my guess that this Plaintiff is actually a debt purchaser.
In any event, I would consult an attorney. It also stands to reason that this alleged debt is also time-barred which should be asserted as an affirmative defense.
Apex Credit Services, LLC
Related Articles
Answers by Expert:
Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Organizations
Better Business Bureau
Publications
Education/Credentials
Education/Credentials
Past/Present Clients
Flagstar Bank
Chase Bank
Past/Present Clients
Flagstar Bank
Chase Bank
©2012 About.com, a part of The New York Times Company. All rights reserved.