Several years ago my wife purchased a car in Texas. When we started dating, she moved to Arizona and ended up turning in the car which was then sold at auction around 10/2006. We received a few notices about dates to be sold and amounts due at that time. Other than a letter regarding balance still owed at the beginning of 2007, we had heard nothing else about this account. No phone calls or judgement filed to our knowledge. Recently, we got a phone call regarding the deficiency. It has been about 4years and 9 months since the auction.
I have looked at the various ARS pertaining to contracts and limitations.
A.R.S. § 47-2725
A.R.S. § 12-548
A.R.S. § 12-544
I believe the consensus is that auto loans are written contracts which have a statute of limitation of 6 years here in Arizona. My confusion is that there is also a section that sounds to me like the limit becomes 4 years if the contract was not originated in Arizona. And then there is another section that I have heard interpreted as a 4 year limitation if the collateral has been sold. In Texas, I am pretty sure the SOL is 4 years. So I am trying to determine if the SOL has definitely expired regardless of which state law applies or if we still have about a year of gray area in which they could file suit.
Thank you for any insight you might have.

