Re: Summoned To Court Over An Old Debt
The courts in some states are starting to consider credit cards (unless it is a store card) as a written contract with the longer SOL. However, per some info I have read, some judges in Va. are still considering them as an open acct. with the shorter SOL. (3 yrs.) It's how the individual judge interprets the law. Therefore, I would suggest you try using the SOL has expired defense when you go to court. The SOL for a written contract in Va. is 5 yrs. - it might even be expired - I don't know when in 2002 last activity was on the acct.
Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.