I've been under the impression that the SOL on credit card debt in Arizona was six years but I'm seeing information online that it is three years. I went into default on numerous accounts in 2016 & I still have JDB's filing lawsuits in civil court against me.
Can someone first confirm for me whether it is indeed three or six years for the SOL in Arizona. If it is six years, how do I calculate the exact date for when the six years will be up? If it is three years & these are now all SOL, how do I deal with this? I presume that if contact by a JDB via mail with intent to collect is received that I can write them & state the debt is beyond the SOL & do not contact me further about the debt. If they just go straight to filing a case, how do I counter this? Would it be a Motion to Dismiss once served due to the SOL having passed?
I appreciate the assistance. Thank you.