How does SOL apply when you move?

[germese1975]

All of my debts that I know for sure were mine have either been PIF or SIF. I am questioning two of my debts... One is a Midland account with "WebBank" listed as the OC for $3600 ($1999 original debt) as listed on my EQ CR. TU ans EX do not show this account at all. The other debt is a CO for First Command Bank, which I don't recognize. This one lists $0 Bal, and $9000 CO. I'm not sure where this came from. Judging from the account openening dates, these were opened when I lived in NC. The SOL in NC is 3 years. I moved to AL for a few years, and that's where I first noticed Midland on my CR. The SOL is 3 years for AL. I now live in GA, where the SOL is 6 years. I'm afraid to poke the sleeping bear by DV these accounts to figure out what they are in fear they'll realize I'm within the SOL for GA now.

Which SOL would apply? The First Command shows a DOFD as Feb 2010 and the Midland shows a DOFD of Jun 2009. I was overseas at both these times.

[madmann26]

I want to say that the SOL is bound by where the debt occurred but I could be wrong.

[Anonymous]

SOL is normally in the state you currently reside.

[faircredguy]

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@Anonymous wrote:

SOL is normally in the state you currently reside.

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If they wanna be a******* and the state where the debt occurred has a longer SOL, I heard they can try to sue in that state.  I lived in California and now live in Maryland which has a shorter SOL and more regulation on CAs.

[Anonymous]

I said normally.  However, they can use the SOL of the state where the debt generated if longer.  Normally that would not fly in your current court jurisdiction.

They can't sue you in the other state, only use the SOL of that state.  You have to be sued in the state you live because small claims courts are local.  If they managed to serve you papers in the other state before you left then they could.