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I looked up the SOL in Maryland on credit card debt and it gives Civil action: 3years from the date it accrues, unless:

Breach of contract under any sale of goods and services under the UCC: 4 years after the cause of action, even if the aggrieved party is unaware of the brech.
or
Promissory notes or instruments under seal, bonds, judgements, recognizance, contracts under seal, or other specialties: 12 years
or
Financing statement: 12 years, unless a continuation statement is filed by a secured party six (6) months prior to end of thwelve (12) year period. (Maryland, Commerical Law article Sec. 2-725; Courts & Judicial Proceedings Article Sec. 5-101-02, 9-403).

My question would be which statement would hold true in my case. The collection agency said that this card was opened in 1985 and they bought it in 1997. Also, can you tell me a little about UCC. Thanks,

[Mr. Knowitall]

IMy question would be which statement would hold true in my case.

Your case that we know nothing about? If it's a simple credit card debt, I would expect the standard credit card limitations period to apply.

Also, can you tell me a little about UCC. Thanks,

You can start here. Why do you think there may be a security interest filed on whatever it is you bought?