I asked what was the SOL for my state(North Carolina) she told me that it is 4 years which is not what i have read!
According to bankrate.com SOL is 3-3-5-3, and she told me that if a CA established a debt meaning they proved that i owe it, she said that it could stay on my report forever until paid! YIKES!
She also said that NC usually goes by DOLA which she said is pretty close to DOFD!
If anyone is familiar with NC law please comment!
I know she said more but i cant remember! Sorry!
Rebuilding and Reducing Debt, is my game plan.