I have read, and thought I bookmarked but can't find, that in Pensylvania the sol starts at the first delinquent payment and "nothing can re-age" it. I'm asking because I: originally made delinquent payments to current charge cards that would be past sol if above is correct, paid all charges off completely as I had done a few years prior (60k in 3 years-I'm such an idiot-1999 and 2002), then became delinquent again while we went through a temporary setback and went through all cards being charged-off. I tried to make payments after we recovered, but of course it was never enough to suit them and I was not going to give a lump sum to a credit card again. I know in PA they can freeze my current bank account...my husband has a separate account. My account just has ~100 in it at all times, so I'm not worried there. I am wondering though if a judgement to freeze an account is just for an existing account or for future accounts...or is another judgement needed for other future accounts. Anyway, our house is tenancy by entirety, so I'm not worried there. And I know there is no garnishment of wages. If the above statement about PA non-re-aging is correct then half of my cards are past the sol. If not I have 2 years to go on all but one, which has 3 years to go. Does anyone know? I know all states have different laws but I know I read this...I just can't find it again. I hope I explained this clearly. thanks,
Try typing in PA SOL on the search page - I came up with a bunch (too many to link) of stuff that might be helpful to you.