Fairlane Credit They are hooked up with Ford Motor Co. Nationwide

The civil court judge that issued the judgment knows the laws so there is more to the story than you have stated.

I never paid a dime, or promised anything. They never served me. I work out of state and Commute to and from every 2-4 months. I have never talked with them since I bought the vehicle. And as fr it being funny. Nothing is funny about, these idiots. Or this situation. They have done this to 10's of 1,000's of people if not more.  

Thanks for the laugh...too bad that you are trying to make a joke out of it as you may actually have a case.  But no court in their right mind is going to take you seriously with your attitude, and you won't even make it past the court clerk.

You are correct that the Statute of Limitations on a Written Contract in New York is 6 years.  So they have until 6 years from the date of the last activity to file suit.   So if they reposessed it in 2000, they would have until around 2006 to file a suit.  However, if during that time you made a payment, or a written promise to pay you may have reset the SOL.  For example if you paid them $100 in 2005, you may have just reset the SOL to 2005 giving them now until 2011.

However this SOL is an affirmative defense, that means that you must appear in court to defend yourself.  If a company attempts to sue you and you ignore the suit...the judgement is most likely valid.  So if you were properly served and just decided to "blow off" the case.  You may have sealed your fate..and this debt.  Now, if you were never properly served you may have grounds to have the judgement vacated.  But depending on the situation they may still be able to come after you.

If the judgement is valid they have 20 years to attempt to collect on the judgement.