A Debt Collector is Chasing Me in Texas Over an Old American Express Bill


Dear Steve,

Got an American Express card back in 2007 (I think). Got divorced, hadn’t worked in 20 years. Tried to open a restaurant lost all my money, couldn’t find a job, found one in 2013 part time. Finally found full time but I’m still not making enough money to pay off this debt.

I was making payments for two years and now they have a debt collector after me. I guess the time expired and they tried to contact me. When I called them back they had already sent it to a debt collector and I asked her if i could have the same plan and she said no and started asking me lots of personal questions so I hung up. I owe $10,000.00

What can they do to me? The only asset i have is my house. Can they attach anything to my house. I live in Texas.



Dear Lisa,

I am not a lawyer and can’t give you legal advice. You’d need to speak with an attorney who is licensed in Texas for specific legal advice. What I can share are some observations about your situation.

If you have not made a payment on this debt for four years, the creditor might not be able to sue you for the old debt since it may have expired from under the statute of limitations and be time barred.

Do not make a promise to pay or make a payment on this debt if you want to rely on this defense if the creditor does sue you.

Additionally, you are luck you live in Texas. Your wages can’t be garnished over this debt. For more information, click here.

Quite frankly, I think the best plan of action would be for you to find a local attorney who is licensed in your state and pay them a consultation fee to evaluate your specific situation. It would be money well spent.

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If this debt is part of a lingering crop of bad debts that is following you, it might be time to think about filing bankruptcy and getting a clean slate so you can start over.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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