My question involves collection proceedings in the State of: CALIFORNIA
I lived in California and I just received a summon by mail. The date filed in court was MAY 28th 2014 (05/28/2014). My last payment date was MAY 17th 2010 (05/28/2014-over 4 years now). Can I use this as a valid defense and tell the judge that SOL (4 years) has expired days before they filed it to court???? I know I have to answer the summons withing 30 days to give me more time.
I am not contesting the debt, just fallen to hard times due to foreclosure and high mortgage payments in the past.. I also would like to settle this and get it over but I don't have the funds for a lump sum payment. Any other option you can suggest?
I apreciate any help.

