When determining expiration of SOL, it is often not sufficient to simply look up a number from a chart.
Those periods are the normal period for a given type of debt. They are helpful, but it is then necessary to determine whether any special circumstances exist under the actual statute.
It is recommended that one pull a copy of the actual state statute to check for any applicable special cirsumstances.
Better yet, consult with an atty in your state who can proivde legal opinion for your specific case.
State SOL can have reset provisions based on any payments or firm offers to pay.
Some state SOLs run from date of last payment, not date of first delinquency (i.e., "cause of action")
Some states provide for tolling of running of the period during periods of consumer non-residency in that state.
Some states have "borrowing" provisions in their SOL that can incorporate a shorter SOL from another, prior stae of residence.
