Everything you need to know about personal loan debt in California: the statute of limitations is 4 years, garnishment is capped at 25% or amount exceeding 40x min wage, and 4 state-specific protections apply to your case.
4 years
Statute of limitations (written contracts)
$8,018
Avg. personal loan debt in US
25% or amount exceeding 40x mi
Garnishment limit
In California, personal loan debt falls under written contracts with a statute of limitations of 4 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under California law.
Credit/Open
4 years
Written
4 years
Oral
2 years
These strategies combine federal FDCPA protections with California-specific laws like the Rosenthal Fair Debt Collection Practices Act.
In California, the SOL for this debt type is 4 years — check if your debt has expired.
If a collector wins a judgment for personal loan debt in California, garnishment is limited to: 25% or amount exceeding 40x min wage.
Rosenthal Fair Debt Collection Practices Act
File complaints: AG Consumer Protection
These California-specific protections apply to your personal loan debt case:
All California Debt Laws
SOL, garnishment, protections for all debt types
Personal Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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