The issue of jurisdiction and applicable laws on the statute of limitations for debt has always been a tricky subject if it considers more than one state, such as in your case. First, if the creditor has not yet filed any case against you for your debt, the applicable SOL will depend on what is stated in your contract, if there is any clause involving choice of applicable laws. You better consult with a lawyer for that, so that your attorney can study the contract and answer your question in more detail. For the second question, if a judgment has already been issued, then that means that the SOL in California, assuming that it is the applicable one, has not run yet upon the filing of the suit since the SOL would have run only in July or August 2013. Again, it is best to consult with a lawyer for a more detailed and specific answer.