If you do not respond timely, a default can be entered against you.
You will need to copy the caption from your complaint. Instead of "Complaint" put the word "Answer".
The following may be used as a guide:
1. I admit allegation # (your name) of the complaint.
2. I deny each and every allegation contained in numbers x-xy in the Complaint.
1. The statute of limitations has run
Send the original to the court and a copy to the attorney for the credit card company
Here is the statute indicating a six-year statute of limitations:
Chapter 260: Section 2. Contract actions; actions upon judgments or decrees of courts of record
Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.