My last payment was dec 20 2004 does my debt fall within the statute of limitations for pa or did it start all over when this collection agency bought the debt from the credit card company?

in Pa. the statue of limitation fora credit card is Four years for the original creditor to sue you in court.

Second,from the very first miss payment .counts as in default.if you miss a monthly payment on Dec.1,2004.and they send it to a collection agency.it goes by your first missed payment.Collection agency all try to up age the account-like this.you miss on Dec 1,2004.collectors receive it on June,15,2005.they will try (UP-AGEING)saying they have till December 15,2012 to keep it on credit report.in truth it is in collection till June 1,2011.