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Auto repo in California 20yrs ago and now a settlement recovery company is contacting you it still valid?

It is possible that the debt is still valid even though it is 20 years old. The statute of limitations in California for auto repossession cases is generally four years, however there are some exceptions to this rule that could extend the timeline. Additionally, if you signed a contract that extended the statute of limitations or made payments on the debt within the last four years, the debt may still be collectible.

It is important to note that even if the debt is valid, you may have defenses or legal rights that could limit the collection efforts of the recovery company. For example, if you can demonstrate that you were the victim of identity theft or if the company is violating any laws, you may be able to stop or limit the collection efforts.

It is recommended that you contact an attorney with knowledge of applicable law in your state to assist you.

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