Card was taken out with Chase Manhattan about five years ago [right around the time my daughter was born]
In the summons, they include an exhibit that they call an "affidavit of indebtedness" but it doesn't show anything more than their company supposedly picking up the debt from Chase. No start or end dates with Chase are indicated - so no real proof that there is a card out there with my wife's information out there somewhere.
Yes, she had the card taken out - and yes it did get behind. Now, though, this company has assumed the debt [purchased for "pennies on the dollar"] and they are attempting to collect on the debt plus interest and now court fees.
I did some searching on the company and I keep hearing such "lovely" things about them.
I live in Illinois, and the SoL is five years, but I do not know exactly when the credit card was taken out. Could have been five years ago back in February, or March, but I was SERVED the summons in May. Did she manage to escape the SoL and can't be sued?
Who should I contact for legal advice? I'm having a hard time finding legal help in this matter. The summons date is this coming May 28th @ 9:00am. I can choose to enter a default judgment [which I won't] or deny the amount claimed. It's stated my wife would not have to appear in court on that day.
Any help that can be offered would be greatly appreciated.
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