If the credit card was accepted in 99/2000, no agreements to pay thereafter, is the SOL up as far as the courts are concerned??

I read here (http://www.nedap.org/hotline/dcbasics.html), "In New York, the statute of limitations for filing a debt collection lawsuit is six years, counting from the date of default. The date of default is roughly 30 days after you last made a payment."

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