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Texas Business and Commerce Code Chapter 16.004 and 3.118(a) set forth 4 and 6 years respectively to bring suit on a debt from the date of the first default so long no payments in between were paid, and the person remains in the state. Under the aforementioned statutes, after the expiration of the time set forth, are the credit bureaus and collectors obligated to remove the debt from your credit file with the credit bureaus? Or, does the federal statute of 7 years still apply? If a state law offers further protection, it supercedes federal law pursuant to the Supremacy Clause, correct?