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Living in Ontario actually helps you, as the statute of limitations there is 6 years. Remember the SOL can be reset if you make any payment on the account at all. Although the statute of limitations...

One more thought... Make sure that this debt is no showing as a negative account on your credit report under the original creditor's name or under a collection agency. It is very possible that it is...

The short answer is no. But there are some exceptions. Most debts exhaust themselves after 7 years, unless there has been some kind of account activity, which can reset the collection clock. Such as...

I think I've got it. I was on the right track with the additional 3x2 wye, but I wasn't confident enough to just do it without asking a professional. Very good diagrams... thanks again. Off to HD I...

Thank you so much Mark, I really appreciate your help!

I know this topic has been covered extensively, not only here but all over the web. The problem is that there is so much conflicting information out there. I have gathered the following from what I...