https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119985#M62603 <DIV></DIV><DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />ncblondie wrote:<BR />We just got my husband's Experian report so I was going through it with him to see what was accurate. Anyway, about half the collections are from when he lived in Florida. I checked the SOL and found out that Florida tolls. He's a bit sketchy on the dates, but it appears he left the state before SOL ran. We now live in NC, which as a SOL of 3 years.<BR /><BR />I'm a little confused on which SOL we should go by. I don't want to start disputing something and end up sued because it's still in SOL. Which one do we go by?<BR /><HR /></DIV></BLOCKQUOTE><DIV>Please do not take my answer to the bank. You really need to call the office that handles this in Fl. for a definite answer,</DIV><DIV>&nbsp;</DIV><DIV><P><STRONG>Tolling (Toll):</STRONG><BR />The term “toll”, “tolled”, and "tolling" are used in almost all statute of limitations rules and it means to "stop the running of a statutory period for a certain period of time".</P><P>Tolling is done to keep people from running out on bills &amp; then coming back. It is used in computing prison sentencing also.&nbsp;&nbsp;&nbsp; IF your DH has taken out a drivers licensed in NC and it has been awhile....I would go by the 4 years SOL for open accounts . You might even get away with the 3 years SOL but why chance it.</P><P>The OC or CA usually sues in the state where you live,* Signed contracts * they are more ept to sue where the SOL is longer &amp; closer to them.</P><P>If the amount that is owed is up there then they will sue if they can....always keep in mind that&nbsp;most states have laws that a CA must register, be licensed or bonded. Check each state &amp; see if the CA is.</P><P>The OC doesn not need to be licensed!</P><BR /></DIV><DIV></DIV><BR /><BR />Message Edited by HappyDays on <SPAN class="date_text">12-22-2007</SPAN> <SPAN class="time_text">09:08 PM</SPAN> Sun, 23 Dec 2007 05:08:34 GMT Anonymous 2007-12-23T05:08:34Z https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119928#M62595 We just got my husband's Experian report so I was going through it with him to see what was accurate. Anyway, about half the collections are from when he lived in Florida. I checked the SOL and found out that Florida tolls. He's a bit sketchy on the dates, but it appears he left the state before SOL ran. We now live in NC, which as a SOL of 3 years.<BR /><BR />I'm a little confused on which SOL we should go by. I don't want to start disputing something and end up sued because it's still in SOL. Which one do we go by? Sun, 23 Dec 2007 02:48:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119928#M62595 Anonymous 2007-12-23T02:48:05Z https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119946#M62597 <DIV>to be safe - always the longer of the two.&nbsp; Florida tolling may be problematic...</DIV> Sun, 23 Dec 2007 04:09:57 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119946#M62597 Anonymous 2007-12-23T04:09:57Z https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119985#M62603 <DIV></DIV><DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />ncblondie wrote:<BR />We just got my husband's Experian report so I was going through it with him to see what was accurate. Anyway, about half the collections are from when he lived in Florida. I checked the SOL and found out that Florida tolls. He's a bit sketchy on the dates, but it appears he left the state before SOL ran. We now live in NC, which as a SOL of 3 years.<BR /><BR />I'm a little confused on which SOL we should go by. I don't want to start disputing something and end up sued because it's still in SOL. Which one do we go by?<BR /><HR /></DIV></BLOCKQUOTE><DIV>Please do not take my answer to the bank. You really need to call the office that handles this in Fl. for a definite answer,</DIV><DIV>&nbsp;</DIV><DIV><P><STRONG>Tolling (Toll):</STRONG><BR />The term “toll”, “tolled”, and "tolling" are used in almost all statute of limitations rules and it means to "stop the running of a statutory period for a certain period of time".</P><P>Tolling is done to keep people from running out on bills &amp; then coming back. It is used in computing prison sentencing also.&nbsp;&nbsp;&nbsp; IF your DH has taken out a drivers licensed in NC and it has been awhile....I would go by the 4 years SOL for open accounts . You might even get away with the 3 years SOL but why chance it.</P><P>The OC or CA usually sues in the state where you live,* Signed contracts * they are more ept to sue where the SOL is longer &amp; closer to them.</P><P>If the amount that is owed is up there then they will sue if they can....always keep in mind that&nbsp;most states have laws that a CA must register, be licensed or bonded. Check each state &amp; see if the CA is.</P><P>The OC doesn not need to be licensed!</P><BR /></DIV><DIV></DIV><BR /><BR />Message Edited by HappyDays on <SPAN class="date_text">12-22-2007</SPAN> <SPAN class="time_text">09:08 PM</SPAN> Sun, 23 Dec 2007 05:08:34 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/SOL-question/m-p/119985#M62603 Anonymous 2007-12-23T05:08:34Z