Unless YOU call them and harass them, they won't sue you.
Just because they sue it, it does not guarantee they will ever collect. It also does not assure they will receive court and attorney fees from you,
regardless of what the contract you sign states. THAT DECISION is made by the judge.
If the collection agencies sued ever single past due account, they would be out of business quick.
If you don't bother them, they won't sue you no matter what they illegally tell you on the phone. No matter what some liar on the internet has
posted. IT WON'T HAPPEN!
If you get a phone call from a legal office, it's just a debt collector with a bottom feeder attorney on the payroll. They pay the lawyer to use his
name in their mailings and on their website. That is about the extent of that relationship.
Every company has a lawyer. It's no big deal. That lawyer is collecting his paycheck no matter what you do.
In the highly unlikely event they garnish your wages, just change jobs. Changing jobs is not a crime. Make them go through the process all over
again. When they see their actions are costing them, not you, they will cease.
Get a PO box. NOT at the post office. Get a private box. Change EVERYTHING to that address, including your drivers license and voting card. To
avoid violating voting laws, make absolutely certain that the private mail box is under the exact same voting umbrella as your residence.
Disconnect your land phone. If you must have a land number, get magic jack. Turn the ringer off on the phone. Only use the phone for dialing out.
Don't even bother checking the voice mail on it. If you must give a phone number to a company, give them the magic jack number you never answer or
Call your cellular carrier and change that number.
They can no longer call you.
They can not determine your true residence. They think you live in that little box.
When you get that private mail box, the application will ask for an address and phone number. They also get the magic jack number. Give them a
friend's address. Good enough.
Now, they can call until the cows come home.They are not bothering you and you are not bothering them. And they can't bother you. It's a done
The statute of limitations will run out in 3 years on contract debt (in Texas) and 4 years on credit debt (in Texas).
It can stay on your credit report for 15 years but (in Texas) you can have an attorney remove anything older then 7 years. It cost money to hire a
lawyer so that's up to you.
But remember if you pay even a penny; if you even make a promise to pay but never do pay; in each instance, the 7/15 year clock restarts at zero.
If you can't pay it off in full, there is no reason for you to be communicating with them. PERIOD!
Let me remind you; Fortune 500 CEOs received hundreds of millions of YOUR bail out money. Then, they testified to Congress they can not locate
"some" of the money.
And Congress is NOT investigating it.
Want to know why?
Congress: Here is your $300 million. Remember to put $30 million in that account we talked about and make sure you don't report it.
Banker: It's already done. Make sure you don't investigate what we "lost."
Congress: Why would we investigate? Everybody in Congress is doing this.
Banker: I know. lol Bush and Obama. Love those guys!
If you play by the rules, you will lose. Don't you all see what they are doing?
They are trying to change the system into what THEY want.
We want to change it into what WE want.
(I had to delete some stuff because I was turning my post into a political thread jacking. Proof your work before you post.)