I read some where, though I don’t remember where that the statute of limitations on an auto loan or store card (like a Sears ,target etc. ) is four years in the state of New York.
Can anyone enlighten me on this ?

Debt collection statute of limitations listed by state (http://www.fair-debt-collection.com/SOL-by-State.html#33)

Also read Mr. Yet's sticky

https://www.askmehelpdesk.com/bankruptcy-debt/statutes-limitation-debt-collection-fyi-105295.html