Thank you for using JustAnswer. I am Loren, a licensed attorney, and I will do whatever I can to answer your question and provide excellent service.
If this is a credit card debt or a debt created by contract
, then you need to check the contract because it is very likely that the choice of law provision is contained in the terms of the contract.
Otherwise, if a creditor sues you, in general, the SOL of the state in which the suit is filed are the enforceable ones. This often works to the advantage of a consumer who moves to a state with a shorter SOL than the one where the debt was created.
Therefore, if unstated in the contract, it is likely Kentucky.
It is my privilege to assist you. Let me know if you need further information. I hope I have helped you feel informed and empowered in the service I have provided to you. I am here for you.
Since this forum is no substitute for your own legal counsel, you may want to verify the information I have provided with a local attorney who is familiar with your local laws and procedures.
I am happy to answer your follow-up questions and assist you until I am able to explain the answer to your satisfaction.