Legal Question in Civil Rights Law in North Carolina

Re: debt collection and summons

The statute of limitations for a particular payment would be three years from the date of the breach (i.e. non-payment). Hence, from the question, it is not clear that the sol has expired. If your records do not show these dates (in particular the date on which the next payment was due), then you would have to obtain that information from the other side through "discovery." (Whether recovery for all of the payments may depend on whether there is an "acceleration" clause in the debt documents.) You need to file an answer to the complaint, which asserts this defense (unless the action is in small claims court). You probably want to consult a lawyer in person and discuss this with her, because you may have a valid defense, but you will need to get through some legal hurdles first.