Does anyone know that SOL for Virginia for a car loan(signed contract). I had a car loan 9 years ago. They never came and repossed the car. It stopped working and I stopped paying. I am not saying that was the responsible thing to do. Anyway, I recd a call from a collection agency yesterday wanting to set up payment for the debt. I have been receiving statements in the mail. However, I have not done anything (pay a cent or acknowledge ) the bill for well over 6 years. Am I still responsible for this bill or has the SOL ran out. If it has, how do I take care of letting them know that I am not going to pay due to SOL running out?