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Well , I have alot of credit card debt, My question is I used to live in california, were orginally got my credit cards, about 90% were paid down, Then I moved to Arkansas, and in this state is were I ran the balances up!. I used a debt settlement company for about six months, and couldn't keep up with the payments to them, So they never settle any of my debts. I was was getting my first 30 day notices in July of 2008, but I quit paying the debt settlement company in December 2008 ,So now I am living back in california, and want to know for the SOL limitations, I'm I liable for the debt in Arkansas for 3 years where the charges occurred, or 4 years in California where I live?