Legal Question in Credit and Debt Law in California

Re: Credit Card Debt

The bankruptcy "tolled" or extended the statute of limitations. Further, because it was a chapter 13 where payments were being made, and a final dividend was paid to the lender in 2006, the statute of limitations probably did not start running until December 2006. As such, you have at least one and a half years before the statute expires. I would suggest that you first meet with an attorney to review this in more detail - from your description it sounds like the statute has not yet run, but there are many more facts that need to be analyzed to provide a proper opinion on this. Further, you may wish to engage an attorney to attempt to settle the debt for you.

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