How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Thoreau (T-USA) Your Own Question

Thoreau (T-USA)
Thoreau (T-USA), Attorney
Category: Consumer Protection Law
Satisfied Customers: 9176
Experience:  Attorney
Type Your Consumer Protection Law Question Here...
Thoreau (T-USA) is online now
A new question is answered every 9 seconds

Does California Statute of Limitations preside over Oregon

Customer Question

Does California Statute of Limitations preside over Oregon for collection of a debt?
Submitted: 2 years ago.
Category: Consumer Protection Law
Expert:  Thoreau (T-USA) replied 2 years ago.
Thank you for the opportunity to answer your question. I am sending this answer to you only a few minutes after you submitted your question.
Each state has its own statutes of limitations. You didn't specify the kind of debt. However, with a credit card debt (to use an example), the statute of limitations in Oregon is 6 years, while it's 4 years in California. In Oregon, the same statute of limitations applies for debts pursuant to contract, and the statute of limitations for those is 6 years as well.
Customer: replied 2 years ago.
I need to clarify. Last payment date on open ended citibank card was Sept 2006. Opened account while living in California, breached account by failure to pay while living in California. Moved to Oregon July 2010. I know SOL in CA is 4 years and in Oregon 6 years. Can debt collection sue based on current residency?
Expert:  Thoreau (T-USA) replied 2 years ago.
Thank you for your message. When an individual breaches in one state and then relocates to another state, the statute of limitations of the state in which the breach occurred would apply, even though the individual moved to a different state at a later date.
Customer: replied 2 years ago.

Can you provide legal reference? I really dont want to get sued if I play the SOL card and state that the 4 year Statute in California has expired, knowing that the Oregon six year statute is in effect until Sept 2012. Is this an interstate ruling or does it fall under the Fair Debt Collection Practice Act (I couldnt find it there).

Expert:  Thoreau (T-USA) replied 2 years ago.
While that is the status of the law, case law would govern that matter and extensive case law research is beyond the scope of this forum due to the monetary and time costs related to case law research. It's not reasonably possible to provide extensive case law research for the values of questions in this forum.
I would offer some additional information, however. A card holder should always check the agreement with the credit card company, as some agreements will specify a choice of law specifying the state in which disputes must be litigated.
Thoreau (T-USA), Attorney
Satisfied Customers: 9176
Experience: Attorney
Thoreau (T-USA) and 3 other Consumer Protection Law Specialists are ready to help you
Customer: replied 2 years ago.
For final confirmation, you are 100% that I cannot be sued due to California Statue of Limitation expiration in 2010?
Expert:  Thoreau (T-USA) replied 2 years ago.
Sir or Ma'am,

I have explained the law as it is. However, I am going to open up the question for other's to respond. Perhaps someone else will be able to perform case law research for you, though it's generally beyond the scope of what can reasonably be provided here. It's important to understand that this forum isn't a place to find legal advice and that you shouldn't base your legal decisions on information you receive here. For that, you would want to retain your own personal attorney. To quote the disclaimer on this page a listed throughout the site:
"You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe."

I'm going to opt
Customer: replied 2 years ago.

ok I understand.

Expert:  Law Educator, Esq. replied 2 years ago.
Your previous expert has opted out, but was correct about case law research and his comment that the statute of limitations used would be the statute of limitations of the state you reside in at the time of the breach action. HOWEVER, I would like to add that many of these credit card agreements have choice of law provisions in them for states like DE or VA or SD and if there is such a choice of law provision in your agreement, then it does not matter what state you live in, the statute of limitations in the choice of law state would be the one that is used.

I hope you found my answer helpful, but please understand that if you did not get all of the information you may have wanted to use the REPLY button and we are happy to continue working with you.

If you have additional questions, please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. Please consider that I am answering the question or question that is posed in your posting based upon my reading of your post and sometimes misunderstandings can occur. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered.

Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.


There can also be a delay of an hour or more in between my answers because I may be helping other customers or taking a break.

You can always request me through my profile at or beginning your question with “For PaulMJD…”

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK

Meet The Experts:

  • Infolawyer


    Satisfied Customers:

    Licensed attorney helping individuals and businesses.
< Last | Next >
  • Infolawyer's Avatar



    Satisfied Customers:

    Licensed attorney helping individuals and businesses.
  • Ely's Avatar


    Counselor at Law

    Satisfied Customers:

    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • Law Pro's Avatar

    Law Pro


    Satisfied Customers:

    20 years experience in consumer advocacy, debt collection violations, contracts, construction
  • Tina's Avatar



    Satisfied Customers:

    16 years legal experience including consumer protection law.
  • FiveStarLaw's Avatar



    Satisfied Customers:

    25 years of private practice
  • Phillips Esq.'s Avatar

    Phillips Esq.


    Satisfied Customers:

    B.A.; M.B.A.; J.D.
  • Barrister's Avatar



    Satisfied Customers:

    Attorney with 14 years experience in various consumer protection areas

Related Consumer Protection Law Questions

Chat Now With A Consumer Protection Lawyer
Thoreau (T-USA)
Thoreau (T-USA)
Attorney at Law
98 Satisfied Customers