I received a summons from a lawyer representing CitiBank for a debt I have from college. I understand I need to respond with a "motion" or "answer" within 30 days. Can I do this myself or do I need a lawyer to write it for me? If so, where can I find a good example of how to write it in proper form?
Second, this was years and years ago when I ws a freshman in college, now I'm 26. How can I find out if the Statute of Limitations has passed? Is it from the date I stopped making payments? Or when the account was closed?
And lastly, the amount they are demanding is $1,900 + legal and court fees, is it possible for me to contact them before the summons date and make a settlement now for the full amount and avoid having to go to court and pay even more later? Thank you
Oh and this is all in Oregon.