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Correct. The Warrant in Debt came from the court via mail. Mind you, not certified mail, delivered by a sheriff, or authorized party.
When I signed up for the credit card I was living in Maryland. However it was charged off while living in West Virginia. I didn't receive the warrant until two years of living in Virginia.
My assumption is that I will need to go to court, request a trial, ask for a bill of particulars (if they filed one) and cite the statute of limitations.
The debt collector is Jormanday and the credit card was an American Express.
What proof do I need to bring to my court date if any? I seriously doubt AMEX will give me any paperwork stating account activity. Since the debt is so old I no longer have paperwork to substantiate account activity. Does the burden lie with Jormandy to prove that I owe the monies?
I know they are counting on me not showing up for court so they can get a default decision; I just want to be prepared.