I have a question about Missouri's somewhat confusing statutes of limitations on the collection of credit card debt.
RSMo 516.110 states:
Within ten years:
(1) An action upon any writing, whether sealed or unsealed, for the payment of money or property;
While RSMo 516.120 states:
Within five years:
(1) All actions upon contracts, obligations or liabilities, express or implied, except those mentioned in section 516.110, and except upon judgments or decrees of a court of record, and except where a different time is herein limited;
My question: which SOL applies to credit card debt? I requested proof of debt and received a copy of my original credit card application (no copy of a written contract from what I can see), but it appears my last payment was more than five years ago. Do the courts generally apply 516.110 or 516.120 to credit card debt in Missouri, and which would apply in my case if there is no written contract produced? Just wondering if litigation filed against me this week may be time barred or not. I'm planning to answer and include discovery requests with the answer requesting copies of all agreements, contracts, etc., and also a record of all payments, including the last payment made to the account. Thanks for your time. It seems confusing to me.