HOW TO ANSWER A TIME-BARRED LAWSUIT

THIS IS NOT LEGAL ADVICE-

IT IS INTENDED ONLY FOR THOSE SITUATIONS WHERE A LAWSUIT HAS BEEN FILED THAT IS BEYOND SOL. FOR OPEN (CREDIT CARD) ACCOUNTS.

IF YOU HAVE NOT YET BEEN SUED,BUT ARE BEING THREATENED WITH LEGAL ACTION ON AN ACCOUNT THAT HAS GONE BEYOND SOL, USE THE SOL LETTER FROM MY WEBSITE.

THIS IS NOT A PLAN OR PROGRAM THAT IS INTENDED TO BE A SUBSTITUTE FOR LEGAL ADVICE.

YOUR FIRST CHOICE SHOULD BE TO FIND A LAWYER.

IF YOU CANNOT FIND A LAWYER, YOU CAN TRY THE ADVICE GIVEN HERE. IF YOU DON'T UNDERSTAND HOW TO USE THE ADVICE AND GUIDE,THEN YOU ARE OUT OF LUCK.

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The Statute Of Limitations is a legal right that is used to prevent various actions from being carried forth beyond a fixed time limit.
The time limits vary from State to State, and in most cases are fairly easy to understand.
In a few States, some unscrupulous collection agency lawyers have taken advantage of the lack of clarity in those State's Statutes to deceive and fraudulently file time-barred lawsuits.
If they are properly notified,in advance, with the "SOL" letter, they know they are unable to commit this fraudulent action.
Once they have filed, however, the debtor is faced with the daunting task of properly explaining their case to the Court.
Many Small Claims, or Lower Appellate Courts are jammed up with an overload of cases.
The Courts and Judges have no patience for pro-se (unrepresented) defendants who do not present their defense in a clear and understandable form.
In addition, because the basis for the claim of credit card accounts falling into a catagory of "open" (actually open-ended) is in Federal Law, rather than the familiar State statutes, it is difficult in some cases to prevail by simply saying
"But it's in the Truth In Lending Act that credit cards are open accounts"
In addition, the CA lawyers will just show your signed application,and lie and say
"here is a signed contract"
The fact is, they know the truth, and if they know that you will be able to show their lies for what they are, they will not even proceed to file, if they are given notice, (SOL letter)
Now that I have explained why you are in this fix, here is how I SUGGEST you try to fight.

This is an INSTRUCTION GUIDE with some recommended forms to use. You can use them as is, adapt them to your own needs, or ignore them completely and use your own form or letter.

This is ONLY for the specific purpose of answering a FILED lawsuit against you, when you cannot find a lawyer and it is a credit card account that is beyond SOL.

I have linked in the instructions what I SUGGEST you attach. Most State's Statutes are already on my website.

I have linked into the SOL DEFENSE FORM the list of State Statutes that refer to contract conditions, usually known as Statute of Frauds.
In some States on my website they are linked within each State.
If you have questions, AFTER reading everything on my website, and everything here, you can E-MAIL ME AT
whychat@att.net
or private message me at:

CREDITBOARDS.COM.

INDEX
SOL LETTER

INSTRUCTION GUIDE

SOL DEFENSE FORM

TRUTH IN LENDING ACT

FDCPA DEFENSES AND CASE LAW

Civil Procedure