Credit Card debt lawsuit in Pennsylvania. The agreement says Delaware law will apply. Pennsylvania has a borrowing state that will apply Delaware’s 3 year statute of limitations. Question: When does credit card debt begin to “accrue” at the time of the breach or at the time of the purchase. I am seeing mixed ruling from Delaware on google.
I am not sure that this is the correct forum to pose your question. You have cross jurisdictional questions and fact specific issues that need to be addressed. I would highly suggest that you schedule a consultation with an attorney barred in your state. Many will provide a consultation at low to no cost. Good luck!
In all cases, the statute of limitations begins when the party has a mature right to sue. So, for credit cards, it is when the card defaults. That date is the due date of the first missed payment plus any grace period for payment. Until that event of default, there is no claim to bring to court so the SOL clock doesnt begin to tick.
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