Time Limits for Debt Also Known as
"Statute of Limitations," by State
For more info call 702-550-9499

State

Credit Cards*

Written Contracts**
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
D.C.
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Lousiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
3
6
3
3
4
6
6
3
3
4
4
6
4
5
6
5
3
5
3
6
3
6
6
6
3
5
5
4
4
3
6
4
6
3
6
4
3
6
4
10
3
6
6
4
4
6
3
3
5
6
8
6
6
6
5
4
6
6
3
3
5
6 (court ruling)
6
5
5 (court ruling)
10
10
5
unspecified
10
6
3
6
6
6
3
10
8
5
6
3
6
6
6
3
6
15
unspecified
6
4
15
10
6
6
4
6
6
5
6
10
6
10
*Besides credits cards, these statutes are typically for other "open" accounts, revolving credit, or installments contracts. Check with your local state laws, as these can be changed by the legislatures from time to time.

**Oral contracts, or contracts not in writing, typically have a shorter statute of limitations. For example in Nevada, oral contracts have a 4-year statute of limitations. Compare to Bankrate.com's list of statute of limitations.


Call 702-550-9499