Legal Question in Credit and Debt Law in California

If the credit card issuer knew of your California address, the California four-year statute of limitations applies, measured from the last date your payment became due. But being out of the state delays ("tolls") the running of the statute. Credit card issuers and junk debt buyers sometimes sue people past the statute of limitations, and sometimes they get away with it if no response is filed. There is almost certainly no warrant for your arrest based on a credit card debt, and a debt collector who threatens you with arrest is breaking the law and can be sued. The best way to remain up-to-date on the status of your credit card debt is to keep the credit card issuer apprised of your new address whenever you move. Failing that, you could look up the court websites in the localities where you received your billing statements, or you could get a free copy of your credit report from annualcreditreport.com .