If a creditor files a civil suit in order to get a judgement are they considered one in the same? They haven't gotten the judgement yet as far as I know unless I fail to respond back to the civil suit. Am I right about that? The sol (statue of limitations) date is Sept. 1, 2013. If there has only been the filing of the civil suit prior to this date and it's now October, wouldn't the creditor be in violation of the FDCPA if they continue to pursue in trying to obtain in getting a judgement against me? Can I come back with an answer to the civil suit summons letting the creditor know that the sol on this debt has expired or does the filing of the civil suit prior to the sol take precidents?