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The statute of limitations to collect a debt in Pennsylvania is 4 years under 42 Pa. C.S. 5525(a): http://law.onecle.com/pennsylvania/judiciary-and-judicial-procedure/00.055.025.000.html
The statute of limitations begins when the last charge was made or when the account went into default - whichever is latest.
The statute of limitations in Ohio is 6 years: http://codes.ohio.gov/orc/2305.07