oral loan

Dear Maam, I am u.s citizen as is lien holder , no there is no agreement no contract, just a promise to pay back when I can, I lost everything due togovernment intervention and now cant pay back my agreement was only my word, he now lives in california me florida sol in cal is 2 years fla 4 it was 4 years ago this august when must one file to get in under the window of sol