in 2003 I bought a ford focus from ford in california. I got married and deployed to Iraq in 2004. in 2005 after I returned I started going through a divorce and did a voluntary repossession on my car around October 2005 and I moved back to my home state of utah. today I received a letter from an attorneys office in Newport beach California claiming ford has just won a judgment against me on this car loan. they are threatening my wages and bank account. I still live in Utah. is there a statute of limitations on a written contract that is not being followed. and how the date set for the start of statute of limitations. I know California is 4 years on a written contract and Utah is 6 years. any help or suggestions. on my credit report it shows as a charge off.