[vicki935]

I have an old credit card debt, that according to my credit report, the date of last activity was 7/2001. I am in Ga, so I believe the statute of limitations has expired. Today, I recieved a summons of a complaint from a company that bought the debt years ago. It has their attorney's name on it. I did a search with the Ga bar & his name was not even listed with them. Anyway, I was wondering the best way to respond to this complaint myself, or do I need to get a lawyer? I have 30 days to respond. This debt is listed with 2 credit reporting agencies, but not listed on 1 of them. On the 2 that it is listed on, it is due to fall off in 3 months. But, regardless, I believe the SOL is up. Thanks for any help you can offer.

[Betty3]

You can respond yourself but be sure to respond in the time limit allowed. Your summons should explain how you need to respond.

[lwpat]

Check with the court to be sure the complaint has actually been filed. Then file your reply asserting the affirmative defense of SOL.

[Betty3]

It's still possible to sue you even if the SOL has expired but you would use the SOL has elapsed as your defense as lwpat indicated.