All forum members (especially Texans) should look at www.budhibbs.com He is a Ft Worth attorney who loves to go after collection agencies and other "lowlifes" in the world of credit. Take a peak-you may be surprised.
Sylviatob...I have never needed to use the services of Mr. Hibbs but a friend of mine has and he works wonders. He is probably one of the top consumer credit lawyers in the USA. TU 800 EQ 803 EX 813