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Law Regarding when charge off done

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I am arguing that the debt the Plaintiff's is trying to sue for is out of SOL .. they attached a "Last Statement Details" page and it shows Date of Charge Off. That date puts it to where they actually filed the suit 30 days too late, but I was making the point that it could be reasonably assumed that the alleged debt had been delinquent for a period of time prior to that.. I was going to reference that 180 day thing.


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