What are the defenses available to debtors in a lawsuit?

In Connecticut, debtors have certain defenses they can claim in a lawsuit that involve debt. Depending on the specifics of the case, these defenses could help a debtor avoid paying back a creditor. One common defense for debtors is the statute of limitations. This defense is based on the amount of time that has passed since the debt was incurred or the last payment made on the debt. In Connecticut, the statue of limitations varies depending on the type of debt, but the general statute of limitation is six years. This means that if a creditor tries to sue a debtor for a debt that is more than six years old, the debtor can file a defense based on the statute of limitations. Another defense available to debtors in Connecticut is the defense of laches. This defense claims that the creditor waited too long to pursue repayment of the debt and this delay has caused the debtor to suffer some kind of harm. For example, if a debtor has been unable to pay the debt due to financial hardship and the creditor has waited for a long time to demand payment, the debtor may be able to use the defense of laches in their case. Finally, Connecticut debtors may be able to use the defense of payment. This defense states that the debtor has already paid the entire debt or a portion of it, so there is nothing left to be repaid. This is a difficult defense to prove because debtors must produce records or other evidence that show that they paid the debt. In Connecticut, these are just a few of the defenses a debtor can use when being sued by a creditor. Depending on the specific facts of the case, other defenses may also be available.

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