Recently I received a summons from magistrate court regarding a department store credit card. The account was opened in 2001 and was closed by consumer in 2003. I haven't received anything from the card company, and now I have been contacted by an attorney's office regarding the case. I must file or dispute w/i 30 days. What is the statue of limitation in Ga. And what do I need do about the situation. I haven't admitted to anything or offered to pay any money. The rep from the attorney's office wanted me to make arrangements to pay over the phone. I advise I was not familiar with the charge and ask for additional information on the case. She declined and told me to contact the card company and to look on my credit report. I contacted the card company, and they advised the account has been sold. I tried to contact that creditor and all that did was to lead me back to the attorney's office. I'm confused and running out of time!!

You should write a response and get it in the mail within the allowed time limit.

I recommend sending it via certified mail, return receipt requested.

In the letter, request validation of the debt, and deny any knowledge of the debt, and indicate that you are prepared to defend against this action.

Then show up for the court date, and present your defense.

If the account was closed by consumer and paid it must be an error or a scam, make it simple go online straight to the BBB and attorney general consumer protection office and file complaints against that people, see what they got. Send them a certified letter instructing them to never call you again in regard to that account.

If you closed the account with a balance and never pay it do as progunr said sart the validation process with the collectors but ask them for the credit card application signed by you statements and purchase agreement, press complaints, same day send the DV later, they'll get first the DV letter and next day the BBB complaint.



The statute for open accounts in GA is four years since last payment be sure you didn't pay anyhing in the last four years, that'sthe reason why they wanted you to pay over the phone whatever amount, so they can sue you.

Carl.-

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Originally Posted by BELEGAY

recently i received a summons from magistrate court regarding a department store credit card. the account was opened in 2001 and was closed by consumer in 2003. i haven't received anything from the card company, and now i have been contacted by an attorney's office regarding the case. i must file or dispute w/i 30 days. what is the statue of limitation in Ga. and what do i need do about the situation. i haven't admitted to anything or offered to pay any money. the rep from the attorney's office wanted me to make arrangements to pay over the phone. i advise i was not familiar with the charge and ask for additional information on the case. she declined and told me to contact the card company and to look on my credit report. i contacted the card company, and they advised the account has been sold. i tried to contact that creditor and all that did was to lead me back to the attorney's office. i'm confused and running out of time!!!

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Is this on your credit report? You can get free reports at www.annualcreditreport.com if you are eligible.

Make certain your answer the summons within the time.

If closed in 2003, I am sure it past SOL. I would answer the summons that you are not aware of the debt( if you are truly unaware of it) and that a credit card debt closed from 2003 is time-barred.