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..

