Statutes of Limitation (SOL)

Look up the SOL for your State at this link FIRST: STATE SOL then check for matching statute for your State.

Although credit grantors are excluded from the provisions of the Fair Debt Collection Practices Act, the District of Columbia and the following states include original creditors in their debt collection laws:Arkansas, California, Colorado, Connecticut, Florida, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Vermont, West Virginia, and Wisconsin.

Security Freeze Will Be Available In All States On November 1, 2007 voluntarily by Equifax, Experian, and TransUnion to consumers living in the eleven states that have not yet adopted security freeze laws (Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina, and Virginia). The freeze also will be available to all consumers in the four states with laws that limit this protection to identity theft victims only (Arkansas, Kansas, Mississippi, and South Dakota). In order to effectively freeze access to your credit files, you must request the security freeze at all three major credit bureaus.

IF YOUR FIRST DEFAULT WAS IN A "SHORTER" SOL STATE,AND YOU ARE NOW IN A "LONGER" SOL STATE, YOU MAY BE ABLE TO USE THE "SHORTER" SOL-SEE YOUR STATE'S "BORROWING" STATUTE