Can I be sued for a time-barred debt?

Yes, you can be sued for a time-barred debt in California. A time-barred debt is a debt that has passed the statute of limitations, meaning that the legal window of time during which a creditor can sue you has expired. In California, the statute of limitations for most consumer debts is four years. However, in California there is a law known as the Consumer Debt Defense Law (CCDL) that allows you to challenge such a lawsuit if a creditor attempts to collect a time-barred debt. Under the CCDL, you can challenge the lawsuit and argue that the debt is too old for the creditor to pursue in court. If the court determines that the debt is time-barred, the judge may order the creditor to dismiss the lawsuit. Most importantly, the creditor is not allowed to collect on the debt or report it to the credit bureaus. The CCDL law protects consumers from abusive debt collection tactics and helps them remain financially responsible by allowing them to challenge a debt that is too old. If you have been sued for a time-barred debt in California, you have the right to challenge the lawsuit and seek protection under the CCDL law.

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Can I be sued for a time-barred debt?

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