Legal Question in Credit and Debt Law in California

Re: What is the statue of limitations for a personal unsecured loan?

If the debt arises from a written contract (i.e., a credit card debt, promissory note, or other writing), the statute is 4 years. If the debt arises out of a verbal contract it is 2 years. If the debt is owed because of goods or services you received without any writing, the statue could be either 2 or 4 years, depending upon the theory of recovery.

Re: What is the statue of limitations for a personal unsecured loan?

2 years to enforce for verbal; 4 years for written from the date of the breach. Call me directly at (619) 222-3504.