Semantic adjustment alert: All states have SoL on debt. Those two states have additional laws which extinguish some forms of debt the moment SoL runs. I don't remember their names but they each function like a Statute of Repose.
Unless you live in Wisconsin or Mississippi, there is no statute of limitations on debt, only on their ability to sue you, so technically debt does not expire in 48 states.
Semantic adjustment alert: All states have SoL on debt. Those two states have additional laws which extinguish some forms of debt the moment SoL runs. I don't remember their names but they each function like a Statute of Repose.