Kevin Scott purchased a Ford van on credit on May 14, 1987. The total cost of the van was $18,399, and Scott made a down payment of $3,406. After the van was damaged in a traffic accident, Scott failed to make the necessary installment payments required by the contract. The van was repossessed in 1989 and sold at a public auction in 1989. The credit company advised Scott that there was a deficiency of $6,452.56 that he had to pay. Ford Motor Credit Company (FMCC) filed suit for the deficiency on April 16, 1992. Scott argued that the period of limitations for FMCC’s claim had passed. Maryland code required that “[a] civil action at law shall be filed within three years from the date it accrues unless another provision of the Code provides a different period of time within which an action shall be commenced.” Do you agree with Scott? Why or why not?