My question involves collection proceedings in the State of: California
I recently had my court hearing on an old debt that was sold 5 times from Cash Call. In my response I raised that the debt is time - barred ( SOL was March of 2010); laches; SOL; unclean hands; unjust enrichment and that the plaintiff was not the original creditor. I was still NOT provided a copy of the contract that has the alleged debt but, one was given to the judge by the Plaintiff. I advise the judge I was denied a copy. I was sure to raise the defense of time-barred and when asked if I could verify the amount alleged I told the judge that I could not verify the debt because I do not have a copy of the contract and the debt is so old I have no recollection. When I cross examined the Plaintiff he admitted that he bought the debt and the last payment was in March of 2006. According to the defense I waived the SOL under to Cal. code of Civ 360.5. The judge advised counsel that she could NOT make a ruling as she needed to research this and how it applies to the law in CA. I am trying to understand that code, I looked everywhere and I can't seem to understand. I have NOT reset the clock on this debt in any way, I have NOT renewed this contract. I am awaiting her judgement in the mail.

