California Statute of Limitations for Debt Collection
In California, the statute of limitations for debt collection is 4 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 4 years from accrual.
- Statute: Cal. Civ. Proc. Code §§ 337, 339.
- Written debt: 4 years. Oral debt: 2 years. Credit card debt is generally treated as written.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debt: 4 years. Oral debt: 2 years. Credit card debt is generally treated as written.
General California Rules
California applies the discovery rule broadly — for many causes of action, the statute does not begin to run until the plaintiff discovers or should have discovered the injury. Tolling provisions exist for minors (under 18), persons who are mentally incapacitated, and defendants who are absent from the state.
Other Statutes of Limitations in California
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in California?
The statute of limitations for debt collection in California is 4 years. Citation: Cal. Civ. Proc. Code §§ 337, 339.
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When does the clock start for debt collection in California?
Written debt: 4 years. Oral debt: 2 years. Credit card debt is generally treated as written.
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Can the statute of limitations for debt collection be extended in California?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.