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It's often a good idea to at least consult with an attorney to discuss your options if you get served with a credit card debt lawsuit. This page offers a few hints, but also refer to the Where to go for Free Legal Advice in Franklin County tab at the top of this guide for more information.
Book at the Franklin County Law Library
Consumer Law Pleadings by
Call Number: KF 1040 .A3 C65
Publication Date: Up to date through 2013
Also available as an ebook from the Franklin County Law Library's website at https://lawlibrary.franklincountyohio.gov/.
Oh. Rev. Code Sec. 2305.06
The statute of limitations for bringing an action on a written contract, which a credit card agreement is, is eight years.The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently.
Blank Answer WORD
If a credit card company or bill collector sues you, you must file an answer to the lawsuit within 28 days.
Motion - Relief from Judgment - Common Pleas Court (Civil Rule 60B) WORD
If the creditor gets a judgment against you, you can file Motion for Relief from Judgment if you can prove a ground under Oh. Civ. Rule 60(B): (1) mistake,
inadvertence, surprise or excusable neglect; (2) newly discovered evidence (3) fraud or other
misconduct of an adverse party; (4) the judgment has been satisfied, released or discharged or (5) any other reason justifying relief from the judgment. The motion shall be made within a reasonable time, and for reasons (1), (2) and (3) not more than one year after the judgment.