My question involves collection proceedings in the State of: ARIZONA, MICHIGAN
Hello. I have been receiving letters from Portfolio Recovery Associates on and off for about 3 years. Long story short, I was in a chapter 13 repayment plan, which I filed in 2005, and stopped in 2008 (dismissal, not discharged). Apparently, I still had outstanding balance with a capital one account. The last time I paid on it (thru ch 13) was in 2008.
I now live in Arizona (2007-) and before that lived in Michigan. Since the account originated when I lived in Michigan, and I filed bankruptcy in michigan, which states statute of limitations would I fall under? Arizona has a 3 year SOL, and Michigan has a 6 year SOL.
Since I'm an Arizona resident, and my last paymnet was posted in 2008, would this fall under AZ, or MI. Just wondering so I can send them a cease and desist letter.