Formerly whychat.5u.com

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.

A Security Freeze Is Available In All States. 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. IF YOUR PAYMENTS WERE MADE TO THE CREDITOR'S HOME STATE YOU ARE ABLE TO USE THAT STATE'S SOL

e-mails will not be answered- to get assistance go to