for example, one site stated that the has the "choice" of using the statute of limitations on collecting debts for "their" state or they can "choose" the state in which the debtor resides. Can anyone clarify this? Does the statute of limitation apply to the state a debtor resides in at the time the debt originated? Or does the creditor have a "choice" which state to apply the statute of limitations? Any clarification would be greatly appreciated?