The statute of limitations on credit card debt in Texas is four years. This statue of limitations means that a creditor cannot sue a debtor over a debt once four years has passed since the last day the debtor made a paym... More »

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According to U.S. federal law the statute of limitations for credit card fraud is five years. After this time period it is impossible for the government to prosecute a credit card fraud offense. More »

State law sets statutes of limitations for debts, which may vary from state to state, according to the Federal Trade Commission. Some states have several statutes of limitations. The applicable law depends on the type of... More »

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Paying off a credit card debt requires implementing one or more strategies such as paying off one card at a time or consolidating all debt into one payment. Another strategy is to pay more than the minimum amount each mo... More »

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Get help with credit card debt by negotiating directly with credit card companies for more time or better terms, suggests Nolo. If this isn't successful, contact a nonprofit credit counseling agency. As a last resort, co... More »

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Using a credit card calculator, such as that featured on the Bankrate website, enter your credit card balance and interest rate, along with either your monthly payment or the number of months after which you wish to be d... More »

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Consumers can try to settle a credit card debt by negotiating with the credit card or collections company to pay off the debt at an amount less than what is owed, according to Nolo. Credit card companies might accept a l... More »

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