My question involves collection proceedings in the State of: Florida
Hello, I had a dispute with a credit card in 1990 and simply didn't pay it. I lived in the United States for two years after that, and they didn't sue me for it. I then moved to Canada and mostly lived there, but lived for short periods in the United States.
I'm wondering what a defense would be if I were sued, since I never built up enough time in any state to assert the statute of limitations without it being tolled. I understand the concept of laches is also limited to equitable claims, not "legal" claims.
I would obviously not be able to produce any records on the dispute; most banks hold records for 7 years and I am not even sure about the bank I had at the time.
Thanks in advance for any information on this specific issue and on tolling the statute of limitations / laches in general.

