I just got served with a citation from a a retired police officer in Texas. From Target national bank. Please someone that knows about what happens with this and what all goes on please tell me. I have never been sued in my life and am worried. the Target national bank card was mine. but I paid off what I owed. Now they brought this to my address that i have lived at for 36 years but the citation has an address that I have never resided at and a form with questions attached. Someone please give me insight on how to handle this. Also what is the best way to go about this. It asks did I recieve statements at that address and I never did. I have never resided there. After I return this form that needs to be notarized what happens. I appreciate any help. thank you in advance.
The statute of limitations to collect on a debt - even if it were yours - is 4 years. Check the dates they claim this debt was incurred.
Check the address that they have and see if you can find a person with your name at that address. You have to file a response to the lawsuit but, before you spend the money call the lawyers for Target and explain that you are not that person. Is there an account number on the lawsuit? Check your account number. Do whatever investigation you can first before you talk to their lawyers. You might save yourself some money if you just talk to them. Is your account with Target still open?
In California you have 30 days to file a response to a lawsuit and you can ALWAYS get an extension. Don't be scared by the "deadline". After any conversation with their attorneys FOLLOW UP WITH A FAX OR EMAIL TO THEIR ATTORNEYS TO DOCUMENT YOUR CONVERSATION.