I know that statues of limitations on debts, this one is a substantial loan, in the state of NY is 6 yrs. According to info i have obtained the law states the last payment made or the chg off date is the date one goes by for when the statues start. On my credit report for this one loan, it shows 3 charge off dates? why 3? and which one do i go by. Next question is this: I was told that after the loan went into default, because i left the state the loan originated in, the time freezes until i move back into the state, and was also told this loan is being brought back up because the IRS did an audit and because the loan is over 10k, they are coming after my sister and I again. She co signed on the loan. They told her a much higher pay out that myself. I was offered 2900 to pay off and she was offered 10k to pay it off. I told him it was beyond statues and he said i was wrong because the time froze on this loan because i moved out of state. Is this correct? and can they collect 2 different amounts from my sister and I. He was also telling me about my credit and even read everything on my credit report. Actually he was quoting an awful lot of lies on top of it, but they are known to strong arm and bully. This company is out of Cali, i am in Mass and my sister is in NY. To file a judgement in court against us,would they not have to go to courts in each of our states, or just the state the loan originated in and what is he likeliness of that happening? and how do i find out the correct chg off date of this loan?
I co own a house with another individual and i was told they will take me to court and put a lien on “my” half of the house that im deeded on. Says that is legal to which im not sure about.
The loan was for a mobile home,, it got foreclosed on. The company i had the loan from never retrieved the property and this was back in 2002. The mobile home seems to have disappeared off the face of the earth. The loan company has no idea where it is. So my other issue was this, had they come for the mobile home when i vacated,it would have been re sold or auctioned off causing my loan to go down in amount and i would have been responsible for the remainder, just like a car.
Now because the home was never retrieved they are saying i have to pay the entire loan. And if not, then they are going to put judgements against myself and my sister. can they put 2 judgements on against 2 different people? My sister was told they were going to destroy her squeaky clean credit if she didnt fork over 10 . They actually gave her 2 days to pay it. I told the man, i was not working, have no way to pay, and if hes going to put a lien on my house , go for it, its at risk with the economy right as it is.
Basically the man was ticking me off with his lies so i said what i said.
He wished me luck and ended the call.
Anyone have any answers?
The biggest thing here along with how old this loan is , is no one ever got the mobile home and now its disappeared and i never had the chance to lower the balance.
Any help would be appreciated.

I had fallen into some severely hard times, im not a dead beat people.Things happen.