My question involves judgment recovery in the State of Minnesota
I have recently been recently been trying to clean up my credit report and have found several things listed that are not familiar to me, or collections I never knew I had. The ones I knew were in fact mine, I paid immediately.
I had an account listed by Midland Credit Management (original creditor was Household Bank) for $980.00. This is a credit card I had gotten while living in North Carolina 3 years ago with a $300 limit that I used a few times and never paid. Stupidity I know, but at the time I was going through a terrible divorce as well as preparing to be a single active duty parent moving to a new state. About a month ago I received a letter in the mail from a law firm in Minnesota that is representing Midland Credit stating that since it is Tax return time, now would be a good time to settle the debt etc. A week later, I was served in person at my home with a Summons for this account.
The Date of Last Activity and Date First Delinquent is May 2005. The Statute of Limitations for North Carolina is 2 or 3 years, in either case it has passed or is exactly at it's end now. Minnesota is 6 years I believe.
My questions are these:
Which Statute of Limitations applies in this case? North Carolina since that is where the account was originally opened and first went delinquent/last active? Or Minnesota since that is where I now live?
Please help with how I reply to this Summons. I want to avoid a Judgement at all costs, but unfortunately I don't have the means to pay for this in full at the moment. If I am to try to avoid court and make arrangements on this account, do I contact the Law Firm representing Midland or the collection agency themselves?
Any and all advice is greatly appreciated. I have managed in just 2 months time to raise my credit scores over 110 points. This would be a huge setback that I really don't need![]()

