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Which SOL?


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For my edification:

1. consumer opens an account while living in Colorado.

2. After using credit card and making all payments for a year, moves to Nevada

3. While in Nevada, charges up the card and doesn't pay the bill

4. Consumer moves to California just before account is charged off

Which SOL applies when the consumer is sued for the unpaid balance on the card?

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In general, statute of limitations is procedural law, thus it would be the jurisdiction one is sued in. There are, of course, exceptions.

California's RFDCPA acts a lot like the federal FDCPA, but most clauses also apply to original creditors as well -- and the RFDCPA therefore constrains where one may be sued.

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