When does the Statute of Limitations(SOL) start and ends?

Question

Type of Account : Revolving Credit Limit: $0
Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 03/2005 Balance: $995
Date Reported: 10/2007 Amount Past Due: $329
Date of Last Payment: 08/2006 Actual Payment Amount: $0
Scheduled Paymnt Amnt: $36 Date of Last Activity:03/2006
Date Major Delinquency First Reported: 11/2006 Months Reviewed: 31
Charge Off Amount: $737 Deferred Payment Start Date:
Date Closed: Type of Loan: Secured Credit Card
Comments: Charged off account
I hav dis collection lady callin me all day,it seems like she's angry at me over the phone telling me dat they'll take legal action.I did try to pay it but they nver took it out of my account,iwaited 4 2 weeks 2 hav it taken out,now i used it to pay my rent.I tried to talk to her to make a scheduled payment but she didn't want it,it has to be upfront which was $780 which we agreed upon over da phone bcoz my debt was $995.00.

Pls. help! I need to know when my SOL ends?

Answer 1

No statue on debt. Sounds like you need a money manager. I,
would call a debt solution company. They are on TV and in the
phone book. Good Luck...

Answer 2

Every state has a differnet SOL. But, must are between 3-7 years.
Try this link. http://www.bankrate.com/brm/news/cc/20040116b1.asp
Also, on that page is a link to the Fair Debt Collection Act. This will give you advise on how to deal with creditors and what your legal rights are.
But..I do agree with some of the other post, maybe you need a money manager.
Good Luck