I thought I had gotten this posted years ago, but cannot find it:
“The Honorable Lorena Gonzalez Fletcher
California House of Representatives
1350 Front Street
San Diego, CA 92101
city, state zip
Dear Assemblywoman Gonzalez Fletcher,
I would like to request a bill which would benefit California residents. The state of Maryland has recently passed a law prohibiting lawsuits on any debts which have passed the Statute of Limitation (https://www.dllr.state.md.us/finance/advisories/advisory-debtcol.pdf ). While California requires notification if a debt is expired, many debtors are not able to use that information. And while debt buyers are prohibited from suing on expired debts in California, original creditors are not. Many creditors, like exploitative landlords and lenders, never sell their debts, waiting years to sue, until details of the situation are less clear. Most lawsuits are won by default, even on invalid debts. The key injustice is that proportionately more poor debtors are sued than well-off debtors (due to the fact that the Statute of Limitation must be explicitly raised as a defense by the debtor in CA). This growing numbers of illegitimate judgments against those who do not have either the time or the ability (due to illness, etc) to defend themselves. Debt, credit reporting and court action can have a direct bearing on citizens’ abilities to access employment and housing. Disallowing suits on all expired debts could correct this injustice.
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Shira Destinie A. Jones, MPhil, MAT, BSCS