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What is statue of limations (SOL) time in Texas to collect a very old debt, or legal for collections agency to report it to Experian, Equifax, etc. as bad debt? I live in Texas and have a debt that was written off in June 1990 and someone is now trying to collect on it.




SOL in TX is 4 years from date of last payment. It is the amount of time that legal action can be brought against you. Reporting period is 7.5 years from the date of first default. Neither expiration of SOL or reporting period extinguishes the debt. An unpaid debt is collectible forever. If it's that old, send the CA a full cease comm FOAD letter.

Sub: #1 posted on Thu, 08/07/2008 - 19:40

NASCAR_Devil NASCAR_Devil
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What is a "full cease comm FOAD letter"?

Sub: #2 posted on Thu, 08/07/2008 - 19:42

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FOAD= F' Off AND DIE
Cease Comm - never contact you in regards to this debt again - they get 1 more contact after receiveing it to inform you a)collection efforts are ceasing or b)what they intend to do ie. sue (which they would lose in you case. Here's my most recent


Sub: #3 posted on Thu, 08/07/2008 - 19:48

NASCAR_Devil NASCAR_Devil
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