Me: Get them to prove they own it, get them to prove its valid.
Texas Finance Code, Section 392.303: All third-party debt collection agencies are required to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation.
At the time you were issued your loan or credit line you most likely completed and signed an application. This application should have specifically detailed the interest rate, charges, fees or incidental expenses that could be charged in the event of late payment, non-payment or default.
The debt collector must show proof that you agreed to these additional charges and that those charges have been expressly authorized by said agreement. If they are unable to show definitive proof, which includes your agreement to the terms of the loan, then they are illegally adding fees, interest and charges to your balance
Corrik: Stop gambling and just offer to pay without knowing whether its legit.
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Phantom Dust. "I'll just wait for time to prove me right again." - Vlado