My question involves collection proceedings in the State of: Illinois and califonia. I purchased a car in 1994 in Illinois. I moved to california 3 months later and have resided in California for the last 16 years. In 1997 I was in an auto accident and the car was totaled. I did not have gap insurance therefore, the remaining balance of the car loan was not paid.
yesterday I received a call from a bill collector threatening a judgment against me. I am assuming that the statute of limitations has long expired as I have not made a payment to the creditor in over 13 years.
What state's statute of limitations apply's: Californina or Illinois?
How many years is the repective statute of limitations for this type of contract?

