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New York and SOL

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Read all of the articles, still a little confused. Signed contract on 4/2001 in NY for furniture with no payments or interest due for a year. Never made any payments on account. Is SOL up or not? Payments were not due for a year so account didn't default until 4/2002. So six years from default is 4/2008, six years from last payment is 4/2007. Which date is valid for SOL?

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