What state for SOL

[dangerlarson]

What is the name of your state? SC

I had a credit card that went to collection in December of 2000.

I was in Kentucky when I got the credit card - statute appears to be 15 yrs. for a written contract
I have lived in South Carolina, though since 2004 - the SOL in south carolina appears to be only 3 yrs.

Which state do I check when determining the SOL?

Also, does anyone know if that "3 yr" date applies to credit cards? I looked on the chart and did not know which a credit card fell under.

thanks,

[Ladynred]

The SOL in SC is 3 years for credit cards and written contracts.

The SOL in KY has been argued to be 5 years and people HAVE won on that.

IF you are sued, they will most likely sue you where you live now - in SC. In that event, you use the SC SOL as your affirmative defense. While its possible a collection agency or creditor COULD argue the KY SOL, it's not very likely.