My question involves collection proceedings in the State of: TEXAS. I have lived in Texas all my life and still do. I have been getting calls from a junk debt buyer on my home phone and never answered them. The CC debt is from 15+ years ago, WAY past the SoL of 4 years in Texas. I recently received a call on my cell phone from an area code (not an 800#) and answered it (Big mistake) The man on the line began asking me questions, and named a bank that I had recently applied for a loan with, so I thought he was with that bank. He asked to verify my name, DOB and SS number, which I did, again thinking it was the bank calling. He then began asking me questions about an old CC debt that had been charged off 15 years ago. I said I knew nothing and hung up on him. But now I am worried that I may have said something to restart the SoL? Or that now they know they have a "live one", will try to come after me, and perhaps file suit even though the debt is time-barred? Also, I have read other horror stories of people who were KNOWINGLY served at a former address so that they would not receive the summons, and the debt collector would win a default judgement. I am worried about this, because my previous address from about 8 years ago is still listed on my credit report. I am thinking maybe I should talk to an attorney? What do you think?

