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If you have an old debt, you need to know your limits. Statute of limitations is a legislative act restricting the time within which legal proceedings may be brought, usually to a fixed period after the occurrence of the events that gave rise to the cause of action.Once a debt passes beyond the statute of limitations in your state, a debt collector no longer has the right to sue you for payment. You may still have a moral obligation to pay back an old, forgotten debt, but you can’t be sued over it.Any debt collector who threatens to sue you over a debt that is beyond the statute of limitations in your state is in violation of the Fair Debt Collection Act .

The chart below offers a state-by-state roundup of statutes of limitations for delinquent debt. Keep in mind that some states consider credit card agreements written contracts and other states treat card agreements as oral contracts. Still other states have specific statutes of limitations for credit card accounts.

If you’re being hassled about an old debt, the chart below is a great starting point.

For specific details on the statute of limitations on credit card accounts in your state, contact a consumer attorney or the consumer protection division in the office of your state’s attorney general.

Statutes of limitations for delinquent debt
State Written contracts Oral contracts Promissory notes
Alabama 6 years 6 years 6 years
Alaska 3 years 3 years 3 years
Arizona 6 years 3 years 6 years
Arkansas 5 years 3 years 5 years
California 4 years 2 years 4 years
Colorado 6 years 6 years 6 years
Connecticut 6 years 3 years 6 years
Delaware 3 years 3 years 6 years
D.C 3 years 3 years 3 years
Florida 5 years 4 years 5 years
Georgia 6 years 4 years 6 years
Hawaii 6 years 6 years 6 years
Idaho 5 years 4 years 5 years
Illinois 10 years 5 years 10 years
Indiana 10 years* 6 years 6 years
Iowa 10 years 5 years 10 years
Kansas 5 years 3 years 5 years
Kentucky 15 years 5 years 15 years**
Louisiana 10 years 10 years 5 years
Maine+ 6 years 6 years 6 years
Maryland 3 years 3 years 3 years
Massachusetts+ 6 years 6 years 6 years
Michigan 6 years 6 years 6 years
Minnesota 6 years 6 years 6 years
Mississippi 3 years 3 years 3 years
Missouri 10 years 5 years 10 years
Montana 8 years 5 years 8 years
Nebraska 5 years 4 years 5 years
Nevada 6 years 4 years 6 years
New Hampshire 3 years 3 years 3 years
New Jersey 6 years 6 years 6 years
New Mexico 6 years 4 years 6 years
New York 6 years 6 years 6 years
North Carolina 3 years 3 years 3 years
North Dakota 6 years 6 years 6 years
Ohio 15 years 6 years 15 years
Oklahoma 5 years 3 years 5 years
Oregon 6 years 6 years 6 years
Pennsylvania 4 years 4 years 4 years
Rhode Island 10 years 10 years 10 years
South Carolina 3 years 3 years 3 years
South Dakota 6 years 6 years 6 years
Tennessee 6 years 6 years 6 years
Texas 4 years 4 years 4 years
Utah 6 years 4 years 6 years
Vermont 6 years 6 years 6 years***
Virginia 5 years 3 years 6 years
Washington 6 years 3 years 6 years
West Virginia 10 years 5 years 10 years
Wisconsin 6 years 6 years 6 years
Wyoming 10 years 8 years 10 years
*Six years if contract is for payment of money.
** Five years if promissory note is added to a bill of sale.
+ The applicable statute of limitations in Maine and Massachusetts on a debt owed to a bank or on a promissory note signed before a witness is 20 years.
Me. Rev. Stat. Ann. tit.14, s 751; Mass. Gen. Laws ch. 260, s 1.
***Vermont’s statute of limitations on a promissory note signed before a witness is 14 years.

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  • Debt collection practices – Note when creditors can legally collect on your debts and when they are restrained from collecting.
  • Removal of Bankruptcy Reports – Can anything be done to get rid of these pesky filings?
RMCN Credit Services
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McKinney, TX 75072
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