OH gosh your words just made me sick to my stomach - no I'm not in TX - unfortunately, I am in MN and I used a letter from Bud Hibb's website that was the brief statement I had used with the other (2) CAs in the 2 months previous to them...just said "cease & desist; ALSO, I dispute any such debt due you or LVNV.
I had sent the first (2) CAs CMRRR, one was FRED HANNA, and I thought it was crazy that within (3) months (3) CAs sent a bill/notice for the same debt (had no clue which one if any) had the "authority" to collect. The first (2) never responded and I read they do not have to if they decide not to pursue further.
The other (2) dropped off the face of the earth with the notice; and I didn't hear anything again from CA #3, until 6 or 7 months later when I received the S&C, to which I responded with DV.
I simply do NOT have the money to pay them especially the additional $1k they added, this is the 2nd time I've been burned on this and you are right - it truly is a hard lesson I cannot afford
I was still too new to the sting and didn't know as much then as I thought I knew NOW.
Of course the hearing is Thursday, I'm still responding to the judge today in the crazy hope they get it tomorrow (because they won't on WED).
Thank you all - will have to watch my bank acct & keep low for now
then they'll come after the work!
So in honesty, I don't appear to have them for any violations either?!! I wrecked it all??