Quote Quoting newmommy1
View Post
My question involves collection proceedings in the State of: SC.
I had a credit card from chase. I stopped making payments on the card in January of 2005. A lawfirm has been calling my parents. The lawfirm is Ross and something... They said that they would be serving me with lawsuit papers in the morning. From what I have read the statutes of limitations are up? Is this just harassment or is it legit? What are my options?
The SOL on a credit card in SC is three years. If you receive a summons, you will have to file an answer within a certain period of time (it will be on the papers you receive). You can put in your answer that the SOL has expired & also use the SOL has expired as your defense in court. Even if the SOL has expired, you can still be sued but you will use the SOL has elapsed as your defense.