Legal Question in Credit and Debt Law in California
statute of limatations
i had a credit card approx. 5 years ago. through the death of my husband and losing my job due to my disability (arthritis) i could not pay my bills. this credit card was non secured and they have harrassed me constantly. now they are taking me to court and i am disabled and can not pay. is there a statute of limations on this collection
2 Answers from Attorneys
Re: statute of limatations
Yes, 4 years.
Re: statute of limatations
The statute of limitations runs 4 years from the date of your last payment or delinquency. You can also ask for a payment schedule from the court so you don't have to pay in a lump sum. If you are living on disability, all of your income may be exempt from any judgment the creditor obtains.
If you wish to review the harassing conduct the creditor engaged in, give my office a call.
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