statute of limitations on credit card debt, Calif

iVillage Member
Registered: 05-09-2005
statute of limitations on credit card debt, Calif
3
Sun, 08-07-2011 - 6:18pm

Hi --

I can't remember what the rules are for credit card companies (or the law) to say that an old credit card debt has been re-aged in California.

Community Leader
Registered: 07-26-1999
Normally re-aging the account means making some sort of payment on the account, or having activity as in using the credit or account again. The mere act of talking to an attorney trying to collect on the account doesn't count towards that. If that were the case, collection attorneys/agents all over the country would be calling anyone with old debts night and day trying to re-age it. It normally is the state's laws where the debt was taking out, or you lived at at the time it was taking out that is considered active. But Carolyn may be able to chime in if that is different.
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iVillage Member
Registered: 05-09-2005

Thanks so much for your response.

Community Leader
Registered: 07-26-1999
Sorry, I've been swamped with things lately. Did they just call th guy or did they serve him with court papers? I would tell the lawyer he neds a debt validation letter and proper service of a complaint. Ask him also for all pertinent court info, court it's in, case #, etc. & if in fact a suit has been filed, make sure they find out if the attorney is saying service has been done, mak sure there is no default judgment filed etc. Until I have proof of anything, debt validation or lawsuit, never agree to any payment arrangements, and even then, still get some sort of paperwork showing what's going on. Usually telling them it's too close to a court date, without any proper service is just a scare tactic, if they know how to get ahold of him on the phone, the can track him down for service.
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