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There is always a statute of limitations, but I don't know when it starts to run on a credit card agreement. I have never had a client sued over owing money on a credit card. Generally, the statue of limitations is 3 years, but that is in Maryland.
Also, if you do not show up to defend or you do not assert statute of limitations as a defense, you are up a creek. Once a judgment is entered, it takes some serious circumstances to have the judgment vacated.
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The pond, waterfowl, and yellow labs...it don't get any better.
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