What is considered a written contract and such?

[MrHunter602]

I was going over the SOL's on different types of agreements from my state, which happens to be Arizona.

What would a credit card account be considered?

And Im assuming an apartment lease agreement would be a "written agreement?"

What would a medical bill be considered?

Also which database would be considered most accurate for SOL's by state? I have checked a few different ones and there seems to be a little bit of a discrepancy with my state.

Thanks a bunch for all of the help throughout this site. I love all the info provided to people like me. Its really nice to know there is a place to turn to get good advice on things that arent normally discussed in other areas.

[stephlynne]

I am also in AZ and have been asking some of the same questions. Someone told me that credit cards are open ended accounts. In AZ the SOL for open ended accounts is 3 years. That's pretty much all i know, hope it helps

[bigjohnstud4200]

I'm originally from AZ also, however, CC accounts can also be considered written contracts b/c they are based off "written instruments" (you sign a slip everytime you make a purchase saying you will obid by the cardholder statements). IMO, your best bet is to consider any CC as written because if you are sued, they are likely to argue that it's written based on what I just said and it will be up to you to argue differently. This only holds true for CC that are NOT store brand. Store brand cards are considered open-ended. Medical bills are considered "goods or services" and are generally based on the UCC (Uniform Commercial Code) with a SOL of 4 years. The best place to find SOL laws is in your states statutory law section, however, that can be difficult. The information on this site for SOL (at the top of the page) is pretty accurate EXCEPT the part that says, CC are always open-ended, DO NOT BELIEVE THAT!

[stephlynne]

Wow, I'm glad you told us that! Thank you!! So the SOL for written in AZ is 6 years.