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Thank you for your response. It is a relief receiving expert confirmation of my research findings. I tend to "overthink" situations, and this is definitely one of them. I fear that they will find some loophole or claim that certain courses of action took place after the last payment in 2006 that would have restarted the clock on the debt. I know of no such agreement or settlement, however. This brings me back to the subject of perjury- I don't want to be charged with perjury if it turns out that the clock on the debt did restart for some reason. Does it seem as though I am in danger of that, or am I in danger of that?
Thank you, XXXXX XXXXX good to know. One more thing to ease my mind... I read that the statute of limitiations is different for closed-ended vs. open-ended accounts and that some creditors/collectors will classify an account as closed-ended to take advantage of the longer statute time. What's the liklihood that the creditor/colector in my case has done this, and if so, how would it affect me if I list the Affirmative Defense based on the six-year statute?