Ok, as for SOL analysis, do you mean for me to explain why I think my debt falls under 4 year SOL and not the 5 year SOL? If so:
Many, if not most, of these transactions were likely on-line purchases or bill paying via online payments...There was a case in Florida (I'll go look it up if needed) that ended with the courts finding that the defendant's CC was not a written contract, but an oral one since there wasn't any sort of signed paper contract (like a car loan would have). He won and the case was dismissed as the debt was 4 years old.
At first it may seem that that case should send anyone into court and argue 4 years over 5 for a CC. The only problem is, is that the CC company was willing to go all out in court against the guy. So, in other words, there is a risk that one would really REALLY need to have their ish together in the event that raising the SOL defense just pissed off the CC company.
This is why I feel my debt is time barred overall...Does a lawsuit have an effect such that the years stop counting once a lawsuit is filed? In other words, my debt was about a year overdue when this lawsuit was filed. I then get sued, which stops the clock for 120 days. If not prosecuted within the 120 days, does the clock keep rolling? Or is it stopped forever? So, could my 4 year time period actually be 1 year due to the lawsuit that went nowhere never being dismissed or persued?

