In 2008, I defaulted on a vehicle loan. Later in 2008, this vehicle was repossessed. A creditor recently called me and stated that if I didn't pay he was going to sue me. I advised him that I was under the impression that the Statute of Limitations had passed. His rebuttal was that it wasn't, cause the vehicle wasn't sold at auction until 2009. My question is, is this true? Do the statue of limitations start the day I fail to make a payment or the day the lien holder sells the vehicle? Also, I bought the car in California, but has it repossessed in Washington. I know live in Texas. Which state's Statute of Limitations do I go by?