The CO date means nothing! SOL in Tx is 4 years from DOFD/DOLA. the CO date would come well after your DOFD.
File a complaint with your AG office.The CA only had 30 days to answer your first DV letter. This is Tx. law.
If the drop date is may 2012 then your DOFD should be about May 2005. You should be past SOL.
When you are past SOL it means that they can file a lawsuit but can not win. This does not mean that they must delete it your CR until the end of CRTP (2012)
Because they did not answer the DV by Tx law they might have to delete (CA). The OC does not have to delete/
Texas -
Office of the Attorney General
Secretary of State
State Statute
SOL and judgment information is under the "Civil Practice and Remedies Code".
Title 5 of the "Finance Code" is "Protection of Consumers of Financial Services" and relates to credit reporting and collection agencies.
Finance Code Chp. 392 above is very similar to the FDCPA and governs collection agencies.
Sect. 392.101 covers the bonding of collection agencies and defines collection agencies as any company or person collecting within Texas.
Licensing Information
Licensing is required for foreign and domestic collection agencies.
Message Edited by HappyDays on 10-21-2009 06:29 PM
