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I am afraid that if a judgment was already issued in PA, the PA law applies (unless the credit contract
specifies some other law applies) and it is not the SOL, but the limitation on judgments, which in PA would be 20 years. See: 42 Pa. C.S.A. Sec. 5529.
Thus, your only hope here is to file a motion (praecipe) to vacate the default judgment they obtained against you in the PA court. The good cause to vacate would be based on violation of your due process rights in the fact you never received proper notice of the lawsuit leading to the judgment. If the court vacates the judgment based on lack of due process and improper service, then there would be no debtor to sue you again to collect as they likely will not have the proof of the original debt required and this is how to get the judgment extinguished. However, you would need to have a consumer protection
attorney in PA file the praecipe and dig up the suit information to make sure that the motion would be proper to extinguish this judgment.
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