Need Advice Please

[Tagg511]

What is the name of your state? Florida
I received a summons to go to court here in florida from a car i purchased in 1996 in Ohio. The last payment i made was in 1997. I know the sol in ohio is 15 years on a written contract but if they were to by some luck go by floridas id be lucky exept on my credit report it says i was still making payments through 1999. Did the collection company lie to the credit agency for that purpose? What should i do to verify i wasnt making payments?
The lender was located in michigan and i sighned in ohio and now im being sued in florida.In the summons it has an (AFFIDAVIT OF LOST OR MISPLACED DOCUMENT) sighned by an employee of a collection agency verifying she is familiar with the contract between the original creditor and i but the original contract has been lost or misplaced.Can they sue me without a contract without my signature? The summon says i have 20 days to respond to the court and the attorney states that i have 30 days to dispute in writing the validity of the debt. Should i do this? Or should i send them a denial of claims?
I would appreciate any help and advice.

 

[Tayla]

1. Respond accordingly to the summons. 2: Retain a lawyer to respresent you. 3: If you dont show up a default judgement can be rendered against you.
Its a bit late to try to send a c & d letter. Validation of the debt should be presented by the plaintiff during the court proceedings.

 

[Ladynred]

SOL in OH may be 15 years, but they are suing you in FL ! SOL on a written contract in FL is FIVE years. Which law do you think a FL judge is going to go by ??? FL judge knows NOTHING of OH law. You should get a lawyer, but I'd go for the 5 year EXPIRED SOL in FL statutes.