to start, your "dealings" lasted until at least the creditor recieved the money. That means they were still within the statute of limitations. Now, since all this was pay by phone, you apparently spoke with somebody by phone to give them authorization. If they have any record of that call, your dealings were until that time. Most definately within the SoL.

so, unless you are going to claim the second check wasn't athorized by you, I think you're had.

As to them being at fault for not taking action sooner; well, that is what the SoL is all about and as long as they are within the SoL, they are taking action to collect their money.

You don't present evidence in your answer. You state your defense (SoL, not my debt, lack of jurisdiction, etc.) the evidence is what you present in court to support the stated defense.


as to being able to add the SoL to your defense; not familiar enough with this to be able to answer. Some courts may allow it, some not. Since you didn;t include it, you may have lost the chance to use it.