At the height of my college expenses, I took out a payday loan for $255. A month later, it bounced. I made arrangements to repay the brick and mortar, but by the time I had the funds, it had moved into collections. Along the way (the last seven years), I had almost completely forgotten about it.
Today, seven years and four months later, I get a call for a collection agency stating that they will send a sheriff over to serve me with a summons. I hung up.
Am I correct in thinking this is a gross violation of California law, on multiple levels?