Short answer
Old debt, often past the statute of limitations, that a buyer tries to collect years later. In Texas, debt buyers can't sue on time-barred consumer debt, and a payment doesn't revive it, but they may still ask you to pay voluntarily.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Regulation F, 12 C.F.R. part 1006 (eCFR)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.