I’ve got a few more days before I either need to pay Fidelity Credit Management, or dispute the debt. In the meantime, I’ve learned that the State of Texas has a 4 year Statute of Limitations on most types of debt.

Let’s see… I allegedly became indebted in September 2001… it’s now June 2007… I think that’s more than 4 years.

I’ve written a very professional letter disputing the debt and requesting proof that I’m liable for the debt, proof that they are entitled to charge interest, and proof that the debt has not exceeded the State of Texas’ statute of limitations…

Let’s see what their response is…

For anyone else in this situation, check out http://www.fair-debt-collection.com/SOL-by-State.html for some info on statutes of limitations for debt.