When the creditor has filed suit after the statute of limitations has run, the defense is raised as a "New Matter" as part of an Answer and New Matter.
You must file your Answer and New Matter within 20 days after receipt of the Complaint. Consult with an attorney who can review the Complaint and file the appropriate Answer and New Matter raising all available defenses.
Yes, hiring an attorney costs money. However, hiring an attorney is a good investment considering the alternative of having a judgment against you or trying to batte the creditor's attorney without full knowledge of the rules of civil procedure.
In addition to what the other attorney has stated it is also a violation of the Fair Debt Collection Practices Act (FDCPA) to be sued on a debt that is past the limitations. So you might have a claim against the company that is suing you and their attorney.
Hire an attorney.
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