Being sued in Texas for a Debt over 4 years old.
I am being sued by LVNV for a debt I believe is over 4 years old. I am just trying to understand what I need to prove its over 4 years old.
I called the original company that had the card and all they would tell me is that the last payment made was Jan 29, 2004 for the amount of $19.00.
Then sometime after that it was sold to LVNV and that is my understanding now. Since the last payment was Jan 29, 2004 since there was no activity, would'nt the 4 years start after I defaulted 30days later? When does this time frame start? Anyway the original holder of the card would not send me any proof(other than verbal) of when the last payment was made or when the account was sold. I have read awful things about LVNV and refuse to be bullied by these people. I feel they are relying on people being scared and paying the debt or afraid of going to court. I was served a few days ago and will file my answer letter in court tomorrow. Anything anyone can help would greatly be appreciated.
Thanks in Advance!