If I respond to a debt collection agency does this start the Statue of Limitations all over again?
I live in Texas and I am being hounded by a debt collection agency. I do own this debt, but I have not responded to their endless phone calls and text messages. I was told the minute I have any contact with the debt collector this will "Restart the Statute Of Limitations" and this just gives them more time to harass me or file suit.
I ‘m not sure but I think the Statute of Limitations for Credit Debt in the state of Texas is 3 years.
You did not state how old the debt is.. If the debt is close to the statute of limitations, then do nothing.. You can talk to the debt collector, but do not acknowledge or make a payment on the debt, regardless of what the debt collection agency tells you..
Simply having contact with the debt collector does not restart the "clock." In Texas, the statute of is 4 years..
If you have further questions, please send a note..