I live in GA and the SOL on credit cards is 4 years. My question is when does this start? Is if from the time you became default or from the last payment? My situation, I stopped making payments in 08/00. My account was now past due. I started making payments again in 01/01, but never brought the account up to date. I owed 6600 and only paid about $50 a month, sporadically. My last payment was of $50 in 08/02. Again, I never brought the account up to date. Each month I was still considered past due. My account was considered charged off beginning in 04/01. So does the SOL start from 08/00 from when I orginally became default or from 08/02 when I made a $50 payment?