Possible Problems with Debt Collection Lawsuit

by Becky
(South Carolina )

I received a Summons and Complaint that was filed in Richland County, South Carolina by a Georgia Lawyer on behalf of Palisades Collection, LLC (junk buyers)on February 11, 2010. I used the case number and checked county records where I found the case was filled on 10/01/2010. Here are the issues the credit card bank named in the summons, I have never had a credit card or any kind of account with, but the amount in question could be an old Chase account I disputed 3 years ago. Here is the rub the statue of limitations would have expired 11/2010, but the suit was filled with the county on 10/2010 (one month short of the sol_. I have been trying to read the SC Code and I think it states that the lawsuit has commenced once it is filled unless service takes more than 120 days which I believe it has and therefore the sol would prevail. Do I need to send a letter to the attorney in Ga and Palisades and request validation and at the same time answer the summons denying the debt and stating the sol? Or do I just answer the summons? Do you think I have a chance with the Sol? I have to answer this in the next week so please hurry with any suggestions.