Thank you. The statute of limitations for credit card debt in NY is 6 years, going from last time payment was made, debt was admitted to in writing, or when the account went into arrears - whatever is latest.
So assuming that this is past statute of limitations, someone in his situation wants to file two things:
1) A answer that makes a general denial but also mentions the statute of limitations, and
2) A Motion to Dismiss based on statute of limitations.
An answer example may be found HERE. You can read more about Motion to Dismiss at CPLR 3211.
The Answer must be sent to the court, and to the opposing party's attorney via certified mail, return receipt requested. Same with the motion. He may have to call the court to set the motion for a hearing.
He has 20 days to respond when service is by personal delivery, or 30 days if this was by mail.
By filing an answer, he avoids a default judgment. This will then place the case unto trial track, and then give the parties time to negotiate if he cannot get the case dismissed by statute of limitations argument.
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