Quote Quoting M'sta Mikey
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In most states, the Statute of Limitations (SOL) begins after a debt is charged off by the original creditor, in this case the doctor, and runs for 5 years.
In most states the statute of limitations will start to run on a contract on the date the contract is breached - and if no payment is ever made under the contract, that typically means the date payment was due under the contract. For a line of credit, typically it's on the last date of activity - the later of the last charge made, the last payment made, or the first payment due date that the account holder misses.

A charge off is simply an accounting entry. If that dictated the statute of limitations, a creditor could keep a debt from ever expiring simply by choosing not to ever charge it off.