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I am very sorry for your situation.Which date is the proper one to use when calculating the date of last activity?
Actually, there is a lot of confusion when it comes to when
the statute of limitations begin running. Allow me to clarify first of all by stating that the statute of limitations begins to "tick" not at date of last activity, but at the date when payment became due
In other words, if you had to make payment per contract
on - say - 03/2008, and did not, then the statute of limitations began on that date.
Simply by them adding on surcharges and/or interest does not toll the statute until they did so, and for good reason, as this may have them continuously "act" on your account to artificially elongate the statute of limitations.
As such, it began when you missed your first payment and never paid since.
As such, it was 03/2008.
The statute of limitations on a contract in Florida is five years
(from date of a payment missed), per §95.11
I hope this helps and clarifies. Good luck.
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