I used to live in South Carolina, USA and lost my job. As a result I defaulted on credit card debt. I have not paid anything on it for the last year and the debts were "Charged Off", and are in various stages of collections. I had to move to Texas for a new job.
It has been over 1.5 years during which debt was not being paid. I just noticed that SC has a statute of limitations for debt or 3 years, and Texas is 4 years. Which statute applies?