I live in Gwinnett county Ga. I defaulted on a credit card debt in march 2003. I recieved a summons by the state court and i have until 23 feb 2008 to answer. My defense will be the SOL but i'm not sure how to answer each of the 4 paragraphs in the complaint. The first paragraph is easy..I just affirm that i am a resident of the state...The second paragraph states that i am indebted to the plaintiff for x number of dollars plus interest...The third paragraph states that I have failed and refused to pay this debt...The fourth paragraph states that no attorney fees will be filed if I pay this debt within ten days after recieving this summons. I am defending myself..how do i respond to these statements? What do I admit to or deny..or do i just neither confirm nor deny the statements? Also what is the definition of date of default vs date of last activity concerning the beginning of SOL in credit card accounts in GA? Yours truly//The Ranger

