Legal Question in Credit and Debt Law in California

I defaulted on a credit card in 2004 and now I am just receiving phone calls from a collection agency saying I have a judgement against me and I need to pay or else she is going to keep calling me what is the satue of limitations for this situation can i still be sued in 2011


Asked on 1/10/11, 10:37 am

1 Answer from Attorneys
Carl Starrett Law Offices of Carl H. Starrett II

The statute of limitations for breach of a written contract is 4 years from the date of the breach. If they already have a judgment against, the judgment is good for 10 years and can be renewed indefinitely.

If they lied to you when they said they have a judgment, they may have violated state and federal fair debt collection laws. If they have a judgment against you and you need help dealing with this, you may need help with bankruptcy or negotiating a payment plan. Either way, you may call my office for a free consultation.

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Answered on 1/15/11, 10:46 am


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