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  1. Hello all, I am being sued by Superior Debt Recovery LLC in Miami Civil Court (over 6K). I asked the court for a motion to dismiss based on the FL Sol for Open-Ended accounts of 4 years (which passed October 2013). The lawyers for the JDB responded to my motion with a letter to the court saying "Citibank, NA Credit Card is goverened by the laws of the State of South Dakota". It goes on to say that South Dakota has a 6 years SOL and that the SOL has not expired and that the defendants Motion to Dismiss should be summarily DENIED. I am waiting for the court. I know some of you will mention that a CC is a written contract and thus falls into the 5 year SOL in FL and I know the court may see it that way also. But since this Miami based JDB quoted South Dakota's SOL, my question is, can a Florida based company use the SOL in South Dakota of a credit card that I had with Citibank? I realize they purchased the debt from Citi but does the user agreement transfer over to the JDB and thus allow them to use the SOL in South Dakota even though I never had an agreement with the JDB in South Dakota? Understand? Thank you all for your responses in advance.
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