I do owe the money (3300), but i have no way to pay it back . I spoke to the creditor's lawyer back in march and propose monthly payments (30), he said he would present it to his client and get back to me. I left my home number and specifically said that I was hardly ever home, but they could leave a message and I would call back. They didn't call (if they called, they didn't leave a message) nor did they write.
Do you have any links where I got find templates to responses that you mentioned above?
I meant to say "where I could find".
What is the statute of limitations in Texas
Texas, but the link you sent is from California
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