How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask INFOLAWYER Your Own Question
Category: Business Law
Satisfied Customers: 53574
Type Your Business Law Question Here...
INFOLAWYER is online now
A new question is answered every 9 seconds

i was just served with a summons on a credit card that was

This answer was rated:

i was just served with a summons on a credit card that was charged off in 20004. The wording about the account is all wrong , the date it was opened is wrong, and the fact that the lawyer thinks that it is still an active card is wrong. It was a cancelled card before it was charged off. I don't even think the lawyer knows it was charged off years ago. I think he is a junk debt collector and just trying to get money from me. What should I do besides answer the summons?
You should answer the complaint and raise in defenses waiver, laches, statute of limitations, and payment. That is the best recourse.
INFOLAWYER and 5 other Business Law Specialists are ready to help you
The statute of limitations is 6 years from the date of the last payment or charge, whichever is later.

Laches is a defense based on unreasonable delay in pursuing the defendant. similar to waiver.

Related Business Law Questions