I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
The statute of limitations on a breach of contract case for a contract that was in writing, under FL law, is 5 years. So if the last payment you made was in March of 2014, they have until 2019 to file the lawsuit. So the statute of limitations is not a bar to the lawsuit you were served with.
The fact that your mother may have been named as a Defendant and then dismissed----while great for your mother, is not of any direct benefit for you.
Finally, if you do owe the debt, then you need to consider whether you want to throw good money after bad and even bother to file an Answer to this lawsuit. Just filing the Answer to the lawsuit will cost you about $400 for the filing fee. If you know that you will lose the case, because the debt is valid, you are better off not filing the Answer and just allowing them to get the judgment. They will get the same judgment in a few months anyway after you Answer the complaint when they file their Motion for Summary Judgment.
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I wish you and yours the best in 2016,