its not fair some states have a short SOL and some dont

I'm not sure running to another state is the answer to escape your debts. The collectors will still follow you there. They might not sue, but they will still try and collect. They also might sue hoping to get a judgment or default judgment.

Have you tried working out payment arrangemets?

I think the SOL stays with the state law that the contract originated in, I don't think moving to another state would do it. Could you imagine their populations if it did. There was a post about someone moving to Mexico to avoid his debt some time ago. I am sure someone posted that the SOL would still be with the originated state, or that it froze when resident moved. Does any one remember that post? Help me out here.

I don't remember that one, Fedup, but I do know that moving to another state won't due it here. That's almost like moving to a state with no income tax. What we need is one set federal SOL so everyone is under the same standard.

Yes, I agree. A federal SOL is needed. If the SOL is detemined according to where the credit card account was opened, then my SOL expires in 2 months.

It would be so much easier and less confusing if there was just one standard to deal with here--and we also need the same for PDL's.