One card was obtained in Texas, the other in Georgia. The default occured for an unexpected hospital stay and medical care while we lived in Columbia, SC. No payment has been made for 4 years. Since husband took job assignment in the middle east during this time, card companies did not have my address during these 4 years. Now we are back and living in Philadelphia, PA and sure enough these collectors are after me 24/7 and threatening to sue me. I read on FTC website that these debts may be time-barred which means they can't sue me and even though I still owe, I am not required to pay. On Suzie Orman's website she says Statute of Limitations on credit cards in SC is 3 years. But which states statutes apply? Where I lived when I applied? Where I defaulted? Where I live now? Please help.