My question involves collection proceedings in the State of: CA, NV
There is a promissory note which contains the following clause:
"Governing Law: Venue – I understand that the Lender is located in the State of Utah and this Note will be entered into in the same State. Consequently, the provisions of this Note will be governed by federal laws and the laws of that State to the extent not preempted, without regard to conflict of law rules."
If the debtor lives in CA or NV where the statute of limitations is 4 years and 3 years respectively for promissory notes, are courts in those jurisdictions likely to apply Utah's SOL of 6 years or the more favorable local ones for a bad debt suit ? I have heard the shorter period is generally used, however with the above clause it becomes unclear.

