statute of limitation of credit card debt

I have been served with a Notice of Hearing; Proof of Service dated 4/4/07 for an unpaid credit card debt. I understand that the statute of limitation for a credit card debt in CA is four years. How do you exactly calculate this four years? Is the start date of the 4 years based on the last payment I made on this card which was 3/20/03 or when the check cleared on 3/25/03? And when is the end date of the 4 years? Is it 4/4/07, which is the date of the Notice of Hearing? If everything is correct, it looks like my case is just a tad over 4 years. Can I raise the statute of limitation as an affirmative defense? Please help!

I suspect that the case would have actually been filed in February or March, so I doubt that the SOL will be an effective defense. Check with the courthouse to find out when papers were filed. I believe that the SOL goes back to the date last payment was recieved.

what is the sol in collectinf credit card debt in illinois

SOL in IL is active up to 5 years from the last payment date on your account.

Does the SOL timer restart if you confirm the debt in some other fashion than just making a payment? For example if a collector calls and you tell the collector the debt is yours but do not make a payment does that reset the SOL date?