Quote Quoting divemedic
View Post
Sure they can sue. Then you use the SOL as a defense. They can sue you even if you never owed them any money. I could even sue YOU right now. It does not mean they, or I, will win.


The 7 years means that IF the SOL has run, not only do you have an affirmative defense, but they cannot place the collection on your credit report.
I wasn't really trying to pick on your post. I more so wanted the OP to understand that without the germane state, they cannot get an accurate answer.

as to using the SoL as a defense; if it is not presented as a defense, the plaintiff can still win a judgement so it is important that it does get claimed as a defense, along with any other possible defenses.