Statute of limitations on debt state-by-state:
This is not 100% guaranteed to be accurate; seek legal counsel if you have questions about statute of limitations.
State |
Years for Contracts |
Years for Other debt |
| Alabama | 6 | 3 |
| Arkansas | 5 | 3 |
| Alaska | 3 | 3 |
| Arizona | 6 | 3 |
| California | 4 | 4 |
| Colorado | 6 | 3 |
| Connecticut | 6 | 3 |
| Delaware | 3 | 4 |
| District of Columbia | 3 | 3 |
| Florida | 5 | 4 |
| Georgia | 6 | 6 After amount becomes due and payable |
| Hawaii | 6 | 6 |
| Iowa | 5 | 5 |
| Idaho | 5 | 4 |
| Illinois | 10 | 5 |
| Indiana | 10 | 6 |
| Kansas | 5 | 3 |
| Kentucky | 15 | 5 |
| Louisiana | 10 | 3 |
| Maine | 6 | 6 |
| Maryland | 6 | 3 |
| Massachusetts | 6 | 6 |
| Michigan | 6 | 6 |
| Minnesota | 6 | 6 |
| Missouri | 10 | 5 |
| Mississippi | 3 | 3 |
| Montana | 8 | 8 |
| Nebraska | 5 | 4 |
| New Hampshire | 6 | 3 |
| New Jersey | 6 | 6 |
| New Mexico | 6 | 4 |
| Nevada | 3 | 4 |
| New York | 3 (law effective as of 1/1/2011) | 3 (law effective as of 1/1/2011) |
| North Carolina | 5 | 3 |
| North Dakota | 6 | 6 |
| Ohio | 15 | 6 |
| Oklahoma | 5 | 5 |
| Oregon | 6 | 6 |
| Pennsylvania | 4 | 4 |
| Rhode Island | 6 | 4 |
| South Carolina | 3 | 3 |
| South Dakota | 6 | 6 |
| Tennessee | 6 | 6 |
| Texas | 4 | 4 |
| Utah | 6 | 4 |
| Virginia | 6 | 3 |
| Vermont | 5 | 3 |
| Washington | 6 | 3 |
| Wisconsin | 10 | 6 |
| West Virginia | 6 | 5 |
| Wyoming | 10 | 8 |
notes: I tried to be as accurate as possible but I don’t claim to know all the statute of limitations for debt collection.
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Category: statute of limitations
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This is my debt advice blog.
[...] If you’re past the point of no return, the clock starts. Your personal debt clock starts from the time you make your last payment to the creditor or collection agency. If you’ve sent payments to a collector…stop doing that. Clarification: The original creditor…that’s okay. A collection agent, not so much. Here’s a statute of limitations list for debt collections. [...]