A: Sounds like you were served with a 10-day summons. The plaintiff can you use a 10-day summons to serve a lawsuit (summons & complaint) without having to pay the court filing fee. Once the papers are served, the plaintiff has 10 days to file a lawsuit. The summons should have stated on it that you are not required to respond or file an answer to the complaint unless the lawsuit is filed within 10 days after you were served. If it was not filed within 10 days, the plaintiff has the right to have you served again, then file within 10 days. Sorry, but you still must defend against the newly served papers. Your rights have not changed because the plaintiff failed to file the complaint within 10 days after service of the first 10-day summons.
A: The Utah code section you reference is a statute of limitations on written contracts. It says you cannot collect on a debt created through a written contract more than six years after that became do or the most recent payment was made. However, this statute limitations applies to unsecured debts. If you had a deed of trust properly executed and recorded at the County Recorder against the home, there is no statute of limitations. Your dad would be collectible indefinitely unless some action was taken in the bankruptcy court to have the second mortgage stripped. This can be done when the total debt exceeds the value of the house. Absent those circumstances, your deed of trust should still be enforceable.