Do they have a SOL for a lawsuit in Texas? For debt ....a cell phone bill or small medical bill...??

Answer 1

Are you asking if they have a SOL for collecting or suing for a debt?

If that is what you are asking, yes there is a SOL in Texas for those two debts you listed.

Both of those would fall under a 4 year SOL.

The phone bill SOL would start when your first became 30 days late and never brought the account current leading to the charge off of the account.

The medical would start from the day of service. BUT, medical SOL is a little tricky. If your only defense, should you be sued, is SOL than you may not have a defense.

If the medical provider receives public, state or federal funding, it may be considered in the same light as any other government debt. And a SOL defense on its own will more than likely not win.

If it is still with the original creditor or with a collection agency, you would have to look for other violations to file counterclaims on should you be sued.

Answer 2

echo hit the nail on the head.

You could try to offer a settlement but from the sounds of your attitude they will probably not take it.

Try being nice to them and they will be nice to you.

Remember- they owe you nothing, you owe them. If you want a favor from them you will have to learn to play nice.

Treat people with respect and it will follow.