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.

The Statute of Limitations starts ticking on the date of the
last activity on the account. That is, the date of the last
payment or charge made by you! That is probably a couple of
years before the chargeoff. It would appear that you are well
beyond any statute of limitations.