Written agreements: 4 years, calculated from the date of breach.
Oral agreements: 2 years.
The statute of limitation is stopped only if the debtor makes a payment on the account after the expiration of the applicable limitations period.
NEVER TALK ON PHONE!! If SOL is past get address & mail letter telling them NO phone calls.
did they record the call?
Yeah they recorded the call, its only for $322 so I don't think they will try to take it too far. I will just stop picking up their calls for now unless they file a suit. At which point I'll just show up in court and see if they can provide proof that I made a payment since 2000.