Legal Question in Credit and Debt Law in California

Re: Statue of limitation

There are no credit card accounts with "no signed agreements." The statute is four years from the date the account became past due.

Re: Statue of limitation

Most CA courts hold that the statute begins to run from the date of the last entry on the account, either payment or purchase. Typically this is the due date of the first missed payment that put your account in default, i.e., 30 days after that last payment you made. Mr. Stone is correct in CA it is four years.

Yours truly,

Bryan

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Becker Attorneys

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