Thank you very much for your response.

1) Is filing an Answer required?
2) What if I file an Answer saying the S.O.L. has run, but I'm wrong?
3) Or should I just show up in court and say I think the S.O.L. has run?

I'm sorry for my ignorance. I've never dealt with anything like this.

I'm not so poor that I might fit in those legal aid guidelines, but if I could find someone to help me for $500 or so...I could borrow that much. Any suggestions?