Four years ago AMEX increased the interest on $10k of debt claiming my electronic payment was 1 day late. I refused to pay the increase. They refused to accept my payoff minus the increased interest. At that time I was a California resident. Immediately after this event I moved abroad. I maintain a checking account and credit card in a bank in another state where my parents live. My credit report shows their address as my residence, not my actual address abroad.
What statue of limitations applies to the debt? California - in which case the SOL has passed? My parent's state in which it hasn't passed? Or none of the above since I live abroad?
Thanks for the help

