Was served in person with paperwork on December 18th. I'm wondering if the SOL applies here which from what I've read in the forums would be 4 years in Georgia? Here are my answers to the "questions to answer":
1. Plantiff: Cavalry SPV as assignee of Citibank
2. Lawfirm: just lists the names of two attorneys, both with the same last name
3. amount owed: $5,xxx
4. Orignal creditor: Citibank
5. Was served in person on Dec 18th
8. I received a few collection letters from Cavalry which i ignored and unfortunately did not keep track of these, so may not have them
9. I live in Georgia, Gwinnett county
10. last payment was April 2011
11. I believed the SOL for Georgia is 4 years, however i signed up for this card back in 1995 in Indiana
12. The summons says I have 30 days to respond, the claims are as follows:
Defendant entered into a credit card agreement with Citibank N.A. and in the usual course of business, said account was ultimately assigned to Cavalry SPV 1, LLC. Said account is in default
Exhibit A is a copy of a bill of sale from Citibank to Cavalry of the debt and a copy of my credit card statement from Nov 2011.
So i'm now wondering what to do next. Do i have a chance of beating this because of the SOL or any other reason? Should I fight it or just accept default judgement? I would greatly appreciate help/advice. Thanks!!