Thank you for your question.
The statute of limitations on credit card debt is four years in Nebraska. So, if it has been longer than four years, you can assert the affirmative defense of statute of limitations. Unfortunately, you do need to appear in court and respond to all paperwork to adequately assert your defense.
With regard to the nonpayment and based on these facts, you may concede no payment based on the fact that no one ever contact you about the debt until the statute ran.
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