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  1. #1
    Join Date
    Oct 2007
    Posts
    1

    Default Help Finding the Right Forms to File

    Hi, I live in texas and had a constable come to my house and tried to deliver something and all he would say to my roommate was it was about a credit card, wanted to leave it with them but they said no he wanted to know if he could hang it , dont even know what that means but nothing was left and that was a week ago thursday..I do have as of 4 or so yrs ago cc debt of around 30 to 45,000 and did try and make arrangements with the creditors at that time due to layoff and no assets. but they werent going to let me do anything so im sure the ammounts is why they were so much due to finance, late charges and over the limit charges at this point. From research I do understand that cc companies themselves cannot sue on a unsecured cc debt but the third party that buys them can. but they can also put a judgement against you if not showing up in court right..They do have to furnish me with all the info regarding signatures, itemized charges, dates etc. proving that this is my debt right but I need to know what and where to get the forms to do this because it has to be done just right in order for the courts to accept right? I am paying on my home and have a truck financed at 18% and an old car worth around 1000.00 and I have mineral rights in gas wells that pay around 500.00 a month on that now ..can they take the mineral rights checks? what about my bank accounts..can they cease those to..? in texas they cant garnish your wages right?shouldnt I since the constable hasnt returned contact the county clerk and get the papers from them to find out exactly what he wanted? Does anyone know how I can obtain the forms to file and which one to file and how to do this..I am living payday to payday, have alot of health issues and no insurance and my insulin, glucoma drops and everything are phenomenol I and cannot afford a lawyer and did talk to one and they charge 1500.00 to file the forms necessary to make the creditors furnish the info proving the debt and so forth ..sorry this is so long I just am at wits end and scared and dont know what to do..

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: I need some help on finding the right forms to file

    Try that again, using sentences, paragraphs, and organized thoughts, then clearly ask whatever your question is. I have no idea what "forms" you are looking for, and suspect that you can't find them because they don't exist. A lot of court documents are drafted by litigants for each case, based upon the specific facts of the case.
    Quote Quoting kita427
    View Post
    From research I do understand that cc companies themselves cannot sue on a unsecured cc debt but the third party that buys them can.
    Not even close. Your creditor can sue you over the money you owe and fail to repay.

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