The SOL on credit card debt is 6 years in NJ. The SOL starts from the date of last activity (ie date of last payment). Are you saying the credit report doesn't show date of last payment - did you request more than one credit report? Do you believe you made a payment within the past 6 years? If the SOL has elapsed, you needed to put that in your reply (answer) to the summons in order to be able to use that as your defense in court.

