LibGuides: Credit / Debit, Checking and Gift Card Laws : Ohio and Federal: Being Sued for Old Credit Card Debt?

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Consumer Law Pleadings by National Consumer Law Center
Call Number: KF 1040 .A3 C65
Publication Date: Up to date through 2013
National Consumer Law Center

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.
Oh. Rule of Civ. Proc. 60