I'm in Colorado. 6 year S.O.L. I received a Summons and the court date is 1/17/06.
This is for an old credit card debt, a card I obtained about 14 years ago. It's been through many collection agencies through the years and I never responded to the letters. However, at one point, I stupidly made two payments over a two month span (mailed directly to the store, not to a collection agency, as I had no idea where the account was at, at that point) and surely restarted the S.O.L. I have no recollection of when I made those payments (it's been many years). I can only guess that I made them close to 6 years ago and that's why this has come back to bite me, but I honestly don't know. None of my 3 credit reports show anything about this.
I called the law firm (the collector in this action) today to ask for proof of debt and all I managed to get from the attorney was that the charge off date was 1/07/00. I tried to be careful with my words and not acknowledge the debt as mine.
I had met with an attorney a week or so ago about this, but she suggested that even if the S.O.L. is up, I'd still have to prove that and it could cost me quite a bit.
It was hard enough to find an attorney to even talk to me about it (and I'm certainly willing to pay some for help with this), but now I'm confused about the information I've received and I don't have much time.
I could use some help. With interest and atty. fees, I'm being sued for approx. $4,800.00 and I live paycheck to paycheck.