Legal Question in Credit and Debt Law in Pennsylvania

Re: Arbitration Suit on Credit

If you were served with a civil suit, you do indeed have 20 days to file a response. If you do not file a response, hey must send you a letter advising you have 10 more days. If you fail to respond to that, a judgment will be entered by default.

A creditor has 4 years from the date of the last payment o bring suit. If it has been longer than that, you have a good statute of limitations defense.

Also, if the Plaintiff is not the original creditor, you can properly challenge their right to sue you.

I trust this answers your question but you should speak with an attorney right away.

Feel free to call or E-mail me on a free initial basis.

Re: Arbitration Suit on Credit

You need to hire an attorney asap. The SOL is four (4) years but you have to raise it because it is an affirmative defense. You need to file an Answer. This is very important. If you don't file an Answer a default judgment may be entered against you.