The statute of limitations for credit card debts in California is four (4) years based on a written contract, and is guided by the California Code of Civil Procedure 337. If a payment is made, the statute of limitations start running from the date the latest payment is made.
If the credit card company contacts the debtor after the statute of limitations has run, the debtor should immediately inform the credit card company in writing that the statute of limitations for the debt has expired, and they cannot contact the debtor any more. If the credit card company files a lawsuit, the debtor can raise the defense of time-barred debt. In which case, it is important to work with a lawyer to properly defend the case.