My question involves collection proceedings in the State of: Georgia.
Please help me if possible. I really need help and have no money to really afford a lawyer. Any help will be appreciated.
My main questions are below, however I explained my issue at the bottom as well:
1. What is the statute of limitations in Georgia for credit cards (4 years)?
2. When does the statute of limitations start? Is it from the last payment? When the account is opened?
3. Whatever the answer is to question 2, how can I find this date if I do not know?
4. Please provide me with the documented law / text to support this in the event I have to go to court.
I had a credit card a few years ago. I went from a 2 income household to a 1 income household and became unable to pay the credit card company. I was intending on paying them when I could get myself back on my feet. It became an issue with me eating or paying my credit card bill. I received a letter today asking me to come to the court house. Upon arriving, I received a letter from a lawyer that was hired by my credit card company (I'm assuming). It is a Civil Action File. They say that I owe almost $5000. However, I know that I do owe them some money but I definitely do not think it is that much. What can I do? I really do not have any money. I am having a very difficult time even paying my survival bills. What I mean by survival bills is the bills that I have to pay to have food and shelter. I think the account is over 5 years old. I think I stopped paying them about 2 years ago. Is there anything at all I can do. The court system told me that I have 30 days to respond to them. What should I say to them? Also, what will happen if I do not respond?