Legal Question in Bankruptcy in California

Re: Statute of limitations on un-secured debt

If on a credit card (i.e. a written agreement), it is four years from the date of your failure to pay when due. If on an oral agreement, 2 years. The other party can't sue you after that, unless you've made some payment in the interim. Of course, if your debts are discharged in bankruptcy, none of the prepetition unsecured debt should be collectable.