Re: NJ/FL Statute of Limitations for Credit Card Debt

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On 3/19/08, David Cooper wrote:
> I recently received a NOTICE TO APPEAR FOR PRETRIAL
> MEDIATION. The lawyers for the collection agency are suing
> me for an outstanding balance. The account is a NJ account
> that was CHARGED OFF in July 1998. I moved to FL from NJ
in
> 2001. The SOL for NJ is 6yrs and FL is 4yrs. Can I use the
> SOL defense.

Conflict of law is a bar exam topic. It is one of the more
difficult topics.

In your case the SOL for NJ will apply (even if a US
district court hears it in diversity in FL) unless there is
a forum selection clause in your credit contract. You are
probably sol on the FL SOL.