In reply to Anita Miller.
Statute of limitations on debt vary by state and there are complexities beyond that, particularly with regard to credit card debt, so you may want to consult a consumer attorney if you have questions. Something very important to note: Failure to show up in court could result in a summary judgment against you âÂ which can lead to garnishment. So it’s in your best interest to appear in court. You can bring your credit reports to support your case. Again, a consumer attorney could provide more help. Some more info here: