(Check your SOL here) The statute of limitations is a powerful tool for consumers'. The SOL can thwart off lawsuits and collectors. If a debt is legally expired, you can escape being sued or having to pay an old debt. Likewise, it can be detrimental because many debtors unwillingly renew the SOL by making a partial payment or a written promise to pay which can extend the statute. The statute of limitations is a civil code. Each state has its own statute, For instance, the code section in Cal. Code of Civil Procedure § 337. http://www.carreonandassociates.com/articles/sol.htm