I have a few questions on state statutes of limitation.

1) Let's say that I signed a promissory note to make payments once a month, and at some point, stop paying. Let's say I stop paying on January 1st. Let's say I go into default on July 1st. Let's say my state has a three year statute of limitations. When did the statute begin running? Was it on the day I made my last payment? Was it on the day I defaulted? Or some other day?

2) Let's say I live in North Carolina and the statute of limitations has run on a defaulted promissory note. Let's say the creditor sues me, I use the statute as a defense, and the case is dismissed. Now let's say that I move to Virginia, which has a longer statute of limitations that hasn't run yet. Will the creditor be able to sue me in Virginia for the same debt even though the case has already been litigated and dismissed in North Carolina?

3) Is there anything to really stop debtors from gaming the system based on statutes of limitations? That is, could a debtor who lives in a state with an SOL of 4 years wait until 3.5 years is up since the SOL started running, and then move to a state with a 3 year SOL? Wouldn't that pretty much prevent the creditor from suing? And since a lot of creditors wait until the SOL is almost up to sue, how do courts deal with this? Or is this so rare that no one really cares?