Legal Question in Credit and Debt Law in Georgia

If you do not owe the debt, then you properly defend in court. If they have evidence, such as a loan application, you have a problem. Whether or not it is on your credit report does not answer that question. Further, the statute of limitations may or may not be based on Georgia law. Many credit card debts are not. Even then, you would have to properly defend.

You have so many misconceptions that it is imperative you see a lawyer. Ignoring a court order, or responding improperly, can be catastrophic.

Not all debts appear in credit reports, so that is irrelevant. Most debts in Georgia are based on the law of other states, and often the limitations period is over 6 years. Also, if they previously got a judgment a judgment will last far longer than that.

See a lawyer to determine if you have any defenses. If you do not, you may also need to look at options like bankruptcy. If you do the lawyer will assist you.

The way you handle a lawsuit over a debt you don't owe is (1) defend the lawsuit. Then, (2) if the facts merit it, sue for abuse of process. Consult with a local attorney.