Georgia SOL on Credit Card debt?

In Georgia, what is the Statute of Limitations on collecting credit card debt. I have just received a call from a collections agency on a credit card that went south June of 1990!

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by S Bell:
In Georgia, what is the Statute of Limitations on collecting credit card debt. I have just received a call from a collections agency on a credit card that went south June of 1990! <HR></BLOCKQUOTE>

My response:

In Georgia, the S.O.L. on a written contract is 6 years from the last date of payment. However, on an "open account", as a credit card agreement is, it's only 4 years from the date of last payment. They are yanking your cord - - in other words, it's over for them, but hoping to catch you unwary, or unsophisticated in such laws, they are hoping to collect something. Can't blame them for trying, can you? Now, tell them NEVER to contact you again, or you'll bring your own action against them under the federal Fair Debt Collection Practices Act.

IAAL


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[sa-10]

Is there a certain way the response should be composed or worded, a certain form or style for the document?

I have a similar situation on a date in Ga from an alleged credit card from 5 years ago where no payment in 5 years.

I was sent "Request for Adminission of Facts" with 20 questions and a closing line, "You have no defense to this lawsuit.".

"Reqeust for Production of Documents and Notice to Produce to Defendant" with 9 questions

"Plaintiff first Interrogatories to Defendant" with 13 questions,

Certicate of Service

I plan on answering them all with examples I have seen about the SOL, however I have no idiea on what to quote on TILA, or FCPA, or if I even to need to mention anything like that.

Any point in the direction is much appreciated.

Thanks,

[Proserpina]

This thread is NINE years old - please start your own, k?

Necroposting is considered very bad netiquette.