Understand Your Debt Collection Rights, Nationwide
US Statutes Of Limitations By State
For Debt Collection
The summaries on this page are provided for general information to help businesses understand common concepts (e.g., statutes of limitations, interest, late fees, bad checks, lien deadlines). They are not legal advice and do not create an attorney–client relationship. We recommend verifying any decision against the current text of the law and consulting a qualified attorney in the relevant state. Last updated: November, 1, 2025.
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US Statutes Of Limitations By State
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- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Alabama
Alabama Statutes of Limitations for Debt Collection
Did you know...
In Alabama, a lawsuit to collect on an open-ended account (like a credit card) must be filed within 3 years, which is shorter than the 6-year limit for other contract debtsnationallist.com.
Statutes of Limitations In Alabama
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 20 years (renewable)
Additional Alabama Debt Collection Details
Beyond statutes of limitations, Alabama law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% (legal rate); up to 8% if agreed
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + $30 or actual bank fees
- Mechanics Lien Deadline: File within 6 months; enforce within 6 months after filing
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Alaska
Alaska Statutes of Limitations for Debt Collection
Did you know...
In Alaska, the statute of limitations for debt on any open account or contract (written or oral) is only three yearsnationallist.com. (Promissory notes have 6 years; judgments, 10 years.)
Statutes of Limitations In Alaska
- Written Contracts: 3 years
- Oral Contracts: 6 years
- Open Accounts: 3 years
- Promissory Notes: 3 years
- Judgments : 10 years (renewable)
Additional Alaska Debt Collection Details
Beyond statutes of limitations, Alaska law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10.5% unless otherwise agreed
- Late Fee Regulations: Must be agreed in contract
- Bad Check Laws: Amount + $100 or triple damages
- Mechanics Lien Deadline: File within 120 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Arizona
Arizona Statutes of Limitations for Debt Collection
Did you know...
In Arizona, a judgment is enforceable for only five years from entry unless renewed within that period (and it can be renewed repeatedly), while debts on written contracts (including credit cards) have a 6-year statute of limitationsnationallist.com.
Statutes of Limitations In Arizona
- Written Contracts: 6 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Arizona Debt Collection Details
Beyond statutes of limitations, Arizona law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless contract specifies otherwise
- Late Fee Regulations: Must be specified in writing
- Bad Check Laws: Amount + treble damages (min $50, max $500)
- Mechanics Lien Deadline: File within 120 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Arkansas
Arkansas Statutes of Limitations for Debt Collection
Did you know...
In Arkansas, the statute of limitations to enforce a written contract (including credit card debt) is 5 years from default, and a partial payment or written acknowledgment of the debt will toll (restart) the 5-year clocknationallist.com.
Statutes of Limitations In Arkansas
- Written Contracts: 5 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 5 years
- Judgments : 10 years (renewable)
Additional Arkansas Debt Collection Details
Beyond statutes of limitations, Arkansas law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed in writing
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + damages up to 2x, $50 minimum
- Mechanics Lien Deadline: File within 120 days; enforce within 15 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
California
California Statutes of Limitations for Debt Collection
Did you know...
In California, making a payment on a debt will restart the statute of limitations if the debt is not already time-barred, but once the limitations period has expired, no payment can revive it – only a new written promise signed by the debtor can restart the clockcalifornia.public.law.
Statutes of Limitations In California
- Written Contracts: 4 years
- Oral Contracts: 2 years
- Open Accounts: 4 years
- Promissory Notes: 4 years
- Judgments : 10 years (renewable)
Additional California Debt Collection Details
Beyond statutes of limitations, California law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless a contract states otherwise
- Late Fee Regulations: Must be specified in contract; reasonable
- Bad Check Laws: Amount + damages up to $1,500
- Mechanics Lien Deadline: File within 90 days; enforce within 90 days of filing
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Colorado
Colorado Statutes of Limitations for Debt Collection
Did you know...
In Colorado, a partial payment on a debt will restart the limitations period only if the payment is made voluntarily and is accompanied by a clear acknowledgment of the remaining debt (implying a promise to pay the rest)law.justia.com.
Statutes of Limitations In Colorado
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 6 years (renewable)
Additional Colorado Debt Collection Details
Beyond statutes of limitations, Colorado law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8% if not stated; up to 45% with agreement
- Late Fee Regulations: Up to $15 or 10% of payment due
- Bad Check Laws: Amount + $20 or triple damages
- Mechanics Lien Deadline: File within 4 months; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Connecticut
Connecticut Statutes of Limitations for Debt Collection
Did you know...
In Connecticut, the statute of limitations on open-end credit accounts (like credit cards) is 6 years, but if the debtor makes any payment or even asks for more time to pay, it counts as acknowledging the debt and will restart the 6-year clocksolosuit.com.
Statutes of Limitations In Connecticut
- Written Contracts: 6 years
- Oral Contracts: 3 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years (non-renewable)
Additional Connecticut Debt Collection Details
Beyond statutes of limitations, Connecticut law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: Legal rate 8%; can be higher by contract
- Late Fee Regulations: Must be clearly disclosed
- Bad Check Laws: Amount + $35 or actual costs
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Delaware
Delaware Statutes of Limitations for Debt Collection
Did you know...
In Delaware, the statute of limitations on a standard contract debt is 3 years, but if the contract was signed “under seal,” the time limit to sue is extended to 20 yearsnationallist.com.
Statutes of Limitations In Delaware
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 3 years
- Judgments : 20 years (renewable)
Additional Delaware Debt Collection Details
Beyond statutes of limitations, Delaware law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% legal rate; higher if agreed
- Late Fee Regulations: Must be in writing
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 180 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Florida
Florida Statutes of Limitations for Debt Collection
Did you know...
In Florida, the general time limit for debt lawsuits is 4 years (5 years if based on a written instrument)nationallist.com, and making any payment on a written debt can toll (pause and reset) the limitations periodnationallist.com.
Statutes of Limitations In Florida
- Written Contracts: 5 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 5 years
- Judgments : 20 years
Additional Florida Debt Collection Details
Beyond statutes of limitations, Florida law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6.77% (2024 statutory rate); can vary by contract
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + 3x value or $150 max
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Georgia
Georgia Statutes of Limitations for Debt Collection
Did you know...
In Georgia, the statute of limitations on credit card and other contract debt is 6 years, and actions like making a payment, promising to pay, or even using the account again can restart that 6-year clock from zeroconsumered.georgia.govconsumered.georgia.gov.
Statutes of Limitations In Georgia
- Written Contracts: 6 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 6 years
- Judgments : 7 years (renewable)
Additional Georgia Debt Collection Details
Beyond statutes of limitations, Georgia law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 7% legal rate unless agreed otherwise
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + $30 or actual bank fees
- Mechanics Lien Deadline: File within 90 days; enforce within 365 days
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Hawaii
Hawaii Statutes of Limitations for Debt Collection
Did you know...
In Hawaii, a court judgment is presumed satisfied after 10 years unless the creditor obtains an extension within that period; even with extension, no judgment can be enforced beyond 20 years from its original entrynationallist.comnationallist.com.
Statutes of Limitations In Hawaii
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Hawaii Debt Collection Details
Beyond statutes of limitations, Hawaii law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless otherwise agreed
- Late Fee Regulations: Must be disclosed in writing
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 45 days; enforce within 3 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Idaho
Idaho Statutes of Limitations for Debt Collection
Did you know...
In Idaho, no oral acknowledgment of a debt is effective to extend the limitations period – the acknowledgment must be in a signed writing – however, any partial payment of principal or interest is treated as a new written promise that resets the clock on the debtlaw.justia.com.
Statutes of Limitations In Idaho
- Written Contracts: 5 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 5 years
- Judgments : 5 years (renewable)
Additional Idaho Debt Collection Details
Beyond statutes of limitations, Idaho law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 12% unless otherwise agreed
- Late Fee Regulations: Must be in writing and reasonable
- Bad Check Laws: Amount + $100 or triple damages
- Mechanics Lien Deadline: File within 90 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Illinois
Illinois Statutes of Limitations for Debt Collection
Did you know...
In Illinois, the statute of limitations for most written contracts is 10 years (5 years for unwritten or credit card debts)nationallist.com, and a partial payment made on a written contract can revive an expired debt and start a new 10-year period even if the payment was made after the original limitations period expirednationallist.com.
Statutes of Limitations In Illinois
- Written Contracts: 10 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 10 years
- Judgments : 7 years (renewable)
Additional Illinois Debt Collection Details
Beyond statutes of limitations, Illinois law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% unless agreed otherwise
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 4 months; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Indiana
Indiana Statutes of Limitations for Debt Collection
Did you know...
In Indiana, credit card agreements are treated as unwritten contracts and thus have a 6-year statute of limitationsnationallist.com, and a debtor’s signed written acknowledgment or partial payment will reset the clock (a payment only affects the payer’s liability, not a co-signer’s) under Indiana lawnationallist.com.
Statutes of Limitations In Indiana
- Written Contracts: 10 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 10 years
- Judgments : 20 years
Additional Indiana Debt Collection Details
Beyond statutes of limitations, Indiana law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8% unless agreed otherwise
- Late Fee Regulations: Must be in contract
- Bad Check Laws: Amount + fees up to $250
- Mechanics Lien Deadline: File within 60 days (residential); enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Iowa
Iowa Statutes of Limitations for Debt Collection
Did you know...
In Iowa, written contracts have a 10-year statute of limitations while unwritten contracts (including credit card debts, which Iowa courts classify as oral contracts) have a 5-year limitnationallist.com. Once entered, a judgment in Iowa is enforceable for 20 yearsnationallist.com.
Statutes of Limitations In Iowa
- Written Contracts: 10 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 10 years
- Judgments : 20 years
Additional Iowa Debt Collection Details
Beyond statutes of limitations, Iowa law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% unless agreed otherwise
- Late Fee Regulations: Must be disclosed in advance
- Bad Check Laws: Amount + $30 or actual damages
- Mechanics Lien Deadline: File within 90 days; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Kansas
Kansas Statutes of Limitations for Debt Collection
Did you know...
In Kansas, actions on contract debt must be brought within 3 yearsnationallist.com. Additionally, a Kansas judgment becomes dormant after 3 years of no enforcement, but it may be revived up to 2 years after dormancy, allowing creditors to resume collection if timely revivednationallist.com.
Statutes of Limitations In Kansas
- Written Contracts: 5 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 5 years
- Judgments : 5 years (renewable)
Additional Kansas Debt Collection Details
Beyond statutes of limitations, Kansas law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless agreed otherwise
- Late Fee Regulations: Must be agreed in writing
- Bad Check Laws: Amount + $10–$50 fee
- Mechanics Lien Deadline: File within 4 months; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Kentucky
Kentucky Statutes of Limitations for Debt Collection
Did you know...
In Kentucky, the statute of limitations is 5 years for open-account debts and 15 years for written contracts (contracts for sale of goods are governed by a 4-year UCC limit)nationallist.com. Kentucky judgments are valid for 15 years and can be renewed to extend enforcement furthernationallist.com.
Statutes of Limitations In Kentucky
- Written Contracts: 10 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 15 years
- Judgments : 15 years
Additional Kentucky Debt Collection Details
Beyond statutes of limitations, Kentucky law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8% unless otherwise agreed
- Late Fee Regulations: Must be reasonable and in writing
- Bad Check Laws: Amount + $50 or actual damages
- Mechanics Lien Deadline: File within 75 days; enforce within 12 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Louisiana
Louisiana Statutes of Limitations for Debt Collection
Did you know...
In Louisiana, most contracts (written or oral) have a 10-year “prescriptive” period, but open accounts (such as credit card debts) prescribe after 3 years from the last charge or payment, and promissory notes prescribe after 5 years once duesolosuit.comsolosuit.com. (Notably, filing a lawsuit pauses the clock on prescription in Louisianasolosuit.com.)
Statutes of Limitations In Louisiana
- Written Contracts: 10 years
- Oral Contracts: 10 years
- Open Accounts: 3 years
- Promissory Notes: 5 years
- Judgments : 10 years (renewable)
Additional Louisiana Debt Collection Details
Beyond statutes of limitations, Louisiana law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: Legal rate 5.25%; can be higher by contract
- Late Fee Regulations: Must be clearly disclosed
- Bad Check Laws: Amount + $25 or 5%, whichever is greater
- Mechanics Lien Deadline: File within 60 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Maine
Maine Statutes of Limitations for Debt Collection
Did you know...
In Maine, the limitation period for most contract debt (such as services or credit card accounts) is 6 yearsnationallist.com. However, a contract signed “under seal” or a promissory note signed before a witness is enforceable for 20 yearsnationallist.com. (Judgments are also presumed paid after 20 years unless proven otherwisenationallist.com.)
Statutes of Limitations In Maine
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional Maine Debt Collection Details
Beyond statutes of limitations, Maine law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: Legal rate 6%; can be set by contract
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + $50 or actual bank fees
- Mechanics Lien Deadline: File within 90 days; enforce within 120 days of filing
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Maryland
Maryland Statutes of Limitations for Debt Collection
Did you know...
In Maryland, the standard statute of limitations for a debt lawsuit is 3 years from the date of defaultfair-debt-collection.com. But if a contract is executed “under seal” (a formality recognized in MD law), the suit can be brought up to 12 years after breachseledeelaw.com. (Any oral promise to pay can also restart the 3-year clock in Marylandmarylandlawyerblog.com.)
Statutes of Limitations In Maryland
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 12 years
Additional Maryland Debt Collection Details
Beyond statutes of limitations, Maryland law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: Legal rate 6%; 8% on judgments
- Late Fee Regulations: 5% cap on residential mortgages; others must be disclosed
- Bad Check Laws: Amount + $35 or actual bank fees
- Mechanics Lien Deadline: File within 180 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Massachusetts
Massachusetts Statutes of Limitations for Debt Collection
Did you know...
In Massachusetts, the statute of limitations for debts on written contracts, promissory notes, and credit card accounts is 6 years from the breachnationallist.com. Notably, if a contract is signed “under seal,” the enforceable period extends to 20 yearsnationallist.com.
Statutes of Limitations In Massachusetts
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional Massachusetts Debt Collection Details
Beyond statutes of limitations, Massachusetts law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be fair and disclosed
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 90 days; enforce within 90 days of filing
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Michigan
Michigan Statutes of Limitations for Debt Collection
Did you know...
In Michigan, a creditor has 6 years to sue for a defaulted credit card or other contract debt (the 6-year period begins from the last activity—last purchase or payment)nationallist.com. A Michigan judgment is enforceable for 10 years and can be renewed for another 10 years if the creditor moves to renew before the expirationnationallist.com.
Statutes of Limitations In Michigan
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Michigan Debt Collection Details
Beyond statutes of limitations, Michigan law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% legal rate; 7% if agreed in writing
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + up to 3x, max $500
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Minnesota
Minnesota Statutes of Limitations for Debt Collection
Did you know...
In Minnesota, most contract and open-account debt claims are governed by a 6-year limitations periodnationallist.com. However, Minnesota law applies the statute of limitations of the state whose law governs the contract – so an out-of-state debt might be subject to a shorter (or longer) time limit if that other state’s law so providesnationallist.com. (Minnesota judgments last for 10 years and can be renewed for 10 morenationallist.com.)
Statutes of Limitations In Minnesota
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Minnesota Debt Collection Details
Beyond statutes of limitations, Minnesota law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% (legal); 8% on judgments
- Late Fee Regulations: Must be in writing and reasonable
- Bad Check Laws: Amount + up to $100 service fee
- Mechanics Lien Deadline: File within 120 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Mississippi
Mississippi Statutes of Limitations for Debt Collection
Did you know...
In Mississippi, most debts (including written contracts, open accounts, and promissory notes) have a 3-year statute of limitationstryascend.comfair-debt-collection.com. Under Mississippi law, a partial payment or acknowledgment will restart the 3-year clock only if it’s made before the original limitations period has run (the new period begins from the date of payment or promise)law.justia.com.
Statutes of Limitations In Mississippi
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 3 years
- Judgments : 7 years
Additional Mississippi Debt Collection Details
Beyond statutes of limitations, Mississippi law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8% unless otherwise agreed
- Late Fee Regulations: Must be in contract and reasonable
- Bad Check Laws: Amount + $40 or actual bank fees
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Missouri
Missouri Statutes of Limitations for Debt Collection
Did you know...
In Missouri, the statute of limitations on unwritten or open-account debt (e.g. oral contracts, credit cards without a signed contract) is 5 years, while a claim on a written contract can be brought within 10 years of defaultfair-debt-collection.com. (Missouri judgments are valid for 10 years and can be revived; certain judgments may last up to 20 yearsfair-debt-collection.com.)
Statutes of Limitations In Missouri
- Written Contracts: 10 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 10 years
- Judgments : 10 years (renewable)
Additional Missouri Debt Collection Details
Beyond statutes of limitations, Missouri law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 9% unless otherwise agreed
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + damages up to $500
- Mechanics Lien Deadline: File within 6 months; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Montana
Montana Statutes of Limitations for Debt Collection
Did you know...
In Montana, a written contract claim must be filed within 8 years, and an oral contract (or open account) within 5 yearsmoneymanagement.org. (For example, a credit card debt – often considered open or unwritten – would have a 5-year limit, whereas a signed loan agreement would have 8 years.)
Statutes of Limitations In Montana
- Written Contracts: 8 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Montana Debt Collection Details
Beyond statutes of limitations, Montana law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless agreed otherwise
- Late Fee Regulations: Must be agreed in writing
- Bad Check Laws: Amount + $30 or actual costs
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Nebraska
Nebraska Statutes of Limitations for Debt Collection
Did you know...
In Nebraska, the statute of limitations for a written contract debt is 5 years, and for an oral contract or open account debt it is 4 yearsmoneymanagement.org. (These periods are measured from the date the claim accrues, such as the date of breach or last payment.)
Statutes of Limitations In Nebraska
- Written Contracts: 5 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional Nebraska Debt Collection Details
Beyond statutes of limitations, Nebraska law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless agreed otherwise
- Late Fee Regulations: Must be disclosed in contract
- Bad Check Laws: Amount + $10 or actual bank fees
- Mechanics Lien Deadline: File within 120 days; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Nevada
Nevada Statutes of Limitations for Debt Collection
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In Nevada, a suit on a written contract (including most loans and credit cards) must be filed within 6 years, while an oral contract or open account has a 4-year limitations periodfair-debt-collection.com. (Making a written promise or partial payment can restart the clock in Nevada, as in many statestratta.io.)
Statutes of Limitations In Nevada
- Written Contracts: 6 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 6 years
- Judgments : 6 years (renewable)
Additional Nevada Debt Collection Details
Beyond statutes of limitations, Nevada law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 7% unless otherwise agreed
- Late Fee Regulations: Must be agreed in writing
- Bad Check Laws: Amount + damages up to 3x
- Mechanics Lien Deadline: File within 90 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
New Hampshire
New Hampshire Statutes of Limitations for Debt Collection
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In New Hampshire, the statute of limitations for most consumer debts is 3 years – this 3-year limit applies to credit card accounts, loans, and other contract-based debts unless a different period is specifically provided by lawsolosuit.com. (Notably, New Hampshire’s general limitations statute RSA 508:4 sets a three-year limit for “all personal actions,” including debt claimsnslnh.com.)
Statutes of Limitations In New Hampshire
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional New Hampshire Debt Collection Details
Beyond statutes of limitations, New Hampshire law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless otherwise agreed
- Late Fee Regulations: Must be fair and disclosed
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 120 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
New Jersey
New Jersey Statutes of Limitations for Debt Collection
Did you know...
In New Jersey, a creditor has 6 years to file a lawsuit for an unpaid debt. Under N.J. Stat § 2A:14-1, actions to recover on contract or account must be commenced within 6 years from the defaultsnellingslawllc.com. (Partial payments can restart New Jersey’s 6-year clock in many cases by acknowledging the debt.)
Statutes of Limitations In New Jersey
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional New Jersey Debt Collection Details
Beyond statutes of limitations, New Jersey law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% (non-judgment); 12% (judgment)
- Late Fee Regulations: Must be in writing and reasonable
- Bad Check Laws: Amount + up to $100 damages
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
New Mexico
New Mexico Statutes of Limitations for Debt Collection
Did you know...
In New Mexico, the statute of limitations for collecting on a written contract is 6 years, whereas actions on oral or open-account debts are limited to 4 years. (By comparison, a judgment in New Mexico is valid for 14 years – much longer than in most states – before it expires or must be renewed.)
Statutes of Limitations In New Mexico
- Written Contracts: 6 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 6 years
- Judgments : 14 years
Additional New Mexico Debt Collection Details
Beyond statutes of limitations, New Mexico law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 15% unless otherwise agreed
- Late Fee Regulations: Must be in writing and reasonable
- Bad Check Laws: Amount + $100 or triple damages
- Mechanics Lien Deadline: File within 120 days; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
New York
New York Statutes of Limitations for Debt Collection
Did you know...
In New York, as of April 2022 the time limit to sue on most consumer debts was shortened to 3 years (down from 6 years), and any payment made on a debt after the 3-year period cannot revive or extend the expired statute of limitationsag.ny.gov.
Statutes of Limitations In New York
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional New York Debt Collection Details
Beyond statutes of limitations, New York law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 9% statutory
- Late Fee Regulations: Must be agreed and reasonable
- Bad Check Laws: Amount + $20 or actual damages
- Mechanics Lien Deadline: File within 8 months; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
North Carolina
North Carolina Statutes of Limitations for Debt Collection
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In North Carolina, the statute of limitations on most debts arising from contracts is only 3 years – one of the shortest limitations periods in the nationnycourts.gov. (For example, a credit card or loan default in NC must be sued on within 3 years. Judgments in NC last for 10 years from entry.)
Statutes of Limitations In North Carolina
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 5 years
- Judgments : 10 years
Additional North Carolina Debt Collection Details
Beyond statutes of limitations, North Carolina law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8% unless otherwise agreed
- Late Fee Regulations: Must be disclosed in writing
- Bad Check Laws: Amount + $35 or actual bank fees
- Mechanics Lien Deadline: File within 120 days; enforce within 180 days
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
North Dakota
North Dakota Statutes of Limitations for Debt Collection
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In North Dakota, a judgment on a debt is enforceable for 10 years and can be renewed once for an additional 10-year periodnationallist.comnationallist.com. (Thus, a North Dakota judgment can remain viable for up to 20 years total if properly renewed.) North Dakota’s statute of limitations on contract debts is generally 6 years (similar to many states).
Statutes of Limitations In North Dakota
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional North Dakota Debt Collection Details
Beyond statutes of limitations, North Dakota law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% legal rate unless otherwise agreed
- Late Fee Regulations: Must be reasonable and agreed
- Bad Check Laws: Amount + $40 or actual damages
- Mechanics Lien Deadline: File within 90 days; enforce within 3 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Ohio
Ohio Statutes of Limitations for Debt Collection
Did you know...
In Ohio, the time limit to sue on a written contract was 15 years until 2012, when the law changed to 8 yearsnationallist.com. Accordingly, creditors now have 8 years from accrual to bring an action on a written loan or credit agreement (and 6 years for oral contracts), reflecting the shortened Ohio limitations periodnationallist.com.
Statutes of Limitations In Ohio
- Written Contracts: 8 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 5 years (renewable)
Additional Ohio Debt Collection Details
Beyond statutes of limitations, Ohio law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% unless otherwise agreed
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + $50 or 3x, whichever is greater
- Mechanics Lien Deadline: File within 75 days; enforce within 6 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Oklahoma
Oklahoma Statutes of Limitations for Debt Collection
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In Oklahoma, the statute of limitations is 5 years for written contracts or accounts stated, and 3 years for debts not evidenced by a writing (such as purely oral agreements)moneymanagement.org. (For example, credit card debt is typically treated as written-contract debt, 5-year limit, in Oklahoma.)
Statutes of Limitations In Oklahoma
- Written Contracts: 5 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 5 years (renewable)
Additional Oklahoma Debt Collection Details
Beyond statutes of limitations, Oklahoma law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be agreed in contract
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 4 months; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Oregon
Oregon Statutes of Limitations for Debt Collection
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In Oregon, a contract claim for a debt must be brought within 6 years (the general limitations period on written contracts) unless a shorter period applies under the UCC for sale-of-goods contractskazlg.comkazlg.com. (Oregon judgments are valid for 10 years and can be renewed for 10 more.) Notably, partial payment or a written acknowledgment in Oregon can restart the 6-year clock on a debt.
Statutes of Limitations In Oregon
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Oregon Debt Collection Details
Beyond statutes of limitations, Oregon law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 9% statutory unless contract provides otherwise
- Late Fee Regulations: Must be disclosed in writing
- Bad Check Laws: Amount + up to $500 in damages
- Mechanics Lien Deadline: File within 75 days; enforce within 120 days
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Pennsylvania
Pennsylvania Statutes of Limitations for Debt Collection
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In Pennsylvania, the statute of limitations for most debts (including credit cards, loans, and written contracts) is 4 years from the date of defaultcreditinfocenter.cominsidearm.com. (This is established by 42 Pa. Cons. Stat. § 5525(a).) A payment made on a Pennsylvania debt can toll the running of the 4-year period by constituting an acknowledgment of the obligation.
Statutes of Limitations In Pennsylvania
- Written Contracts: 4 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 4 years
- Judgments : 20 years
Additional Pennsylvania Debt Collection Details
Beyond statutes of limitations, Pennsylvania law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be fair and disclosed
- Bad Check Laws: Amount + up to $500 in penalties
- Mechanics Lien Deadline: File within 6 months; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Rhode Island
Rhode Island Statutes of Limitations for Debt Collection
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In Rhode Island, the law provides a 10-year statute of limitations for civil actions on contracts or debts (one of the longer periods). However, credit card accounts are treated under Rhode Island case law as open accounts subject to a 4-year limit under the UCCmoneymanagement.orgcreditinfocenter.com. (Judgments in RI are valid for 20 years.)
Statutes of Limitations In Rhode Island
- Written Contracts: 10 years
- Oral Contracts: 10 years
- Open Accounts: 10 years
- Promissory Notes: 10 years
- Judgments : 20 years
Additional Rhode Island Debt Collection Details
Beyond statutes of limitations, Rhode Island law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 12% unless otherwise agreed
- Late Fee Regulations: Must be reasonable and disclosed
- Bad Check Laws: Amount + $25 or actual bank charges
- Mechanics Lien Deadline: File within 200 days; enforce within 40 days of notice
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
South Carolina
South Carolina Statutes of Limitations for Debt Collection
Did you know...
In South Carolina, creditors generally have 3 years to sue for debt collection on a contract or account (pursuant to S.C. Code § 15-3-530)philadelphiafed.org. After three years from default, a debt becomes “time-barred” in South Carolina. (A payment or written acknowledgment by the debtor can revive a time-barred debt only if made before the original 3-year period expired.)
Statutes of Limitations In South Carolina
- Written Contracts: 3 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 3 years
- Judgments : 10 years
Additional South Carolina Debt Collection Details
Beyond statutes of limitations, South Carolina law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 8.75% (judgment rate); others must be agreed
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + up to $500 penalty
- Mechanics Lien Deadline: File within 90 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
South Dakota
South Dakota Statutes of Limitations for Debt Collection
Did you know...
In South Dakota, a written contract claim must be brought within 6 years, while an unwritten contract or open account claim has a 3-year limitation (see S.D. Codified Laws 15-2-13)moneymanagement.org. South Dakota also has no statute of limitations on court judgments – a domestic judgment in S.D. can be collected indefinitely (unless it becomes dormant by statute).
Statutes of Limitations In South Dakota
- Written Contracts: 6 years
- Oral Contracts: 3 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional South Dakota Debt Collection Details
Beyond statutes of limitations, South Dakota law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 15% unless otherwise agreed
- Late Fee Regulations: Must be disclosed and reasonable
- Bad Check Laws: Amount + $40 or actual fees
- Mechanics Lien Deadline: File within 120 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Tennessee
Tennessee Statutes of Limitations for Debt Collection
Did you know...
In Tennessee, written contracts have a 6-year statute of limitations for debt enforcement, but in 2019 the law was amended for certain debt buyers: a suit to collect a purchased open-end credit debt (like a credit card) must be filed within 3 years of defaultnationallist.comnationallist.com. (Tennessee judgments are valid for 10 years, renewable for another 10.) The change in law shortened the period for many consumer debts in Tennessee.
Statutes of Limitations In Tennessee
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Tennessee Debt Collection Details
Beyond statutes of limitations, Tennessee law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless agreed otherwise
- Late Fee Regulations: Must be reasonable and stated
- Bad Check Laws: Amount + $30 or triple damages
- Mechanics Lien Deadline: File within 90 days; enforce within 1 year
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Texas
Texas Statutes of Limitations for Debt Collection
Did you know...
In Texas, the statute of limitations on unsecured debt (e.g. credit cards, personal loans) is 4 years from the date of defaultmoneymanagement.org. This 4-year limit is set by Tex. Civ. Prac. & Rem. Code § 16.004. (A payment or written acknowledgment by the debtor can restart the 4-year clock under Texas law.) Judgments in Texas are valid for 10 years and can be renewed for additional 10-year periods.
Statutes of Limitations In Texas
- Written Contracts: 4 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 4 years
- Judgments : 10 years (renewable)
Additional Texas Debt Collection Details
Beyond statutes of limitations, Texas law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be stated in contract
- Bad Check Laws: Amount + $30 or actual fees
- Mechanics Lien Deadline: File within 4 months; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Utah
Utah Statutes of Limitations for Debt Collection
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In Utah, the statute of limitations for written contracts and accounts is generally 6 years (Utah Code § 78B-2-309), and for oral contracts 4 years. However, for a store credit or credit card debt, Utah law (since 2019) specifies a limitations period of 4 years regardless of whether the agreement was in writingnationallist.comnationallist.com. (Utah judgments expire after 8 years unless renewed.)
Statutes of Limitations In Utah
- Written Contracts: 6 years
- Oral Contracts: 4 years
- Open Accounts: 4 years
- Promissory Notes: 6 years
- Judgments : 8 years (renewable)
Additional Utah Debt Collection Details
Beyond statutes of limitations, Utah law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 10% unless otherwise agreed
- Late Fee Regulations: Must be in writing
- Bad Check Laws: Amount + $20 or triple damages
- Mechanics Lien Deadline: File within 90 days; enforce within 180 days
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Vermont
Vermont Statutes of Limitations for Debt Collection
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In Vermont, actions on a written contract (and most debts) must be commenced within 6 years (per 12 V.S.A. § 511), while certain negotiable instruments and judgments have longer periods. (Notably, a Vermont judgment is valid for 8 years and can be revived; a payment on a judgment or debt in Vermont will toll the statute and extend the time accordingly.) Overall, Vermont’s limits are similar to many states (6 years on contracts).
Statutes of Limitations In Vermont
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 5 years
- Judgments : 8 years
Additional Vermont Debt Collection Details
Beyond statutes of limitations, Vermont law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 12% unless otherwise agreed
- Late Fee Regulations: Must be reasonable and stated
- Bad Check Laws: Amount + $50 or actual damages
- Mechanics Lien Deadline: File within 180 days; enforce within 180 days
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Virginia
Virginia Statutes of Limitations for Debt Collection
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In Virginia, the standard statute of limitations is 5 years for written contracts (and 3 years for unwritten contracts) as set by Va. Code § 8.01-246seledeelaw.com. However, if a contract is signed under seal in Virginia, it becomes enforceable for 20 years (Va. Code § 8.01-247). A partial payment on a debt in Virginia will also reset the limitations period if clearly shown to acknowledge the debt.
Statutes of Limitations In Virginia
- Written Contracts: 5 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional Virginia Debt Collection Details
Beyond statutes of limitations, Virginia law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be in writing
- Bad Check Laws: Amount + $50 or actual damages
- Mechanics Lien Deadline: File within 90 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Washington
Washington Statutes of Limitations for Debt Collection
Did you know...
In Washington state, a lawsuit to collect a debt based on a written contract must be brought within 6 years (RCW 4.16.040), and if based on an oral promise or open account, within 3 years (RCW 4.16.080). Washington also passed a law (effective 2019) prohibiting revival of a debt’s statute of limitations by any payment or acknowledgment made after the limitations period—once time-barred in WA, always time-barredag.ny.gov.
Statutes of Limitations In Washington
- Written Contracts: 6 years
- Oral Contracts: 3 years
- Open Accounts: 3 years
- Promissory Notes: 6 years
- Judgments : 10 years (renewable)
Additional Washington Debt Collection Details
Beyond statutes of limitations, Washington law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 12% unless otherwise agreed
- Late Fee Regulations: Must be agreed in contract
- Bad Check Laws: Amount + $40 or actual damages
- Mechanics Lien Deadline: File within 90 days; enforce within 8 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
West Virginia
West Virginia Statutes of Limitations for Debt Collection
Did you know...
In West Virginia, the statute of limitations for contract debts is 10 years for written contracts and 5 years for unwritten or oral contracts (W. Va. Code § 55-2-6). Credit card debts, if considered open accounts, are typically treated as written contract debts (10-year limit) in WV. West Virginia also recognizes that part payment or a written acknowledgment of a debt can revive an expired claim if made before the bar is complete, in which case the statute runs from the date of that payment or acknowledgment.
Statutes of Limitations In West Virginia
- Written Contracts: 10 years
- Oral Contracts: 5 years
- Open Accounts: 5 years
- Promissory Notes: 10 years
- Judgments : 10 years
Additional West Virginia Debt Collection Details
Beyond statutes of limitations, West Virginia law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 6% unless otherwise agreed
- Late Fee Regulations: Must be in writing and reasonable
- Bad Check Laws: Amount + $100 or triple damages
- Mechanics Lien Deadline: File within 100 days; enforce within 6 months
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Wisconsin
Wisconsin Statutes of Limitations for Debt Collection
Did you know...
In Wisconsin, a breach of contract or debt action on a written contract is subject to a 6-year statute of limitations (Wis. Stat § 893.43), whereas an action on a non-written contract or open account is also 6 years under most circumstances after a 2019 law change. (Prior to 2019, Wisconsin had a 6-year limit for written contracts and 3-year for oral; now most consumer debts use 6 years.) Additionally, a payment made on a Wisconsin debt will reset the limitations period if made before the period expires. Judgments in WI are valid for 10 years and can be renewed once.)
Statutes of Limitations In Wisconsin
- Written Contracts: 6 years
- Oral Contracts: 6 years
- Open Accounts: 6 years
- Promissory Notes: 6 years
- Judgments : 20 years
Additional Wisconsin Debt Collection Details
Beyond statutes of limitations, Wisconsin law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 5% unless agreed otherwise
- Late Fee Regulations: Must be fair and disclosed
- Bad Check Laws: Amount + $100 or actual damages
- Mechanics Lien Deadline: File within 6 months; enforce within 2 years
- Informational Only — Not Legal Advice. Laws change and vary by situation and jurisdiction. We do not guarantee accuracy or completeness. Please consult a licensed attorney about your specific matter.
Wyoming
Wyoming Statutes of Limitations for Debt Collection
Did you know...
In Wyoming, the statute of limitations on written contract debts (including loans and credit cards) is 10 years (Wyo. Stat § 1-3-105(a)(i)), and on oral or open-account debts is 8 years (a relatively long period for unwritten agreements)moneymanagement.org. Wyoming judgments have a life of 5 years (unless revived). The longer 10-year window for written contracts means creditors in Wyoming have a decade to sue on most signed agreements.
Statutes of Limitations In Wyoming
- Written Contracts: 10 years
- Oral Contracts: 8 years
- Open Accounts: 8 years
- Promissory Notes: 10 years
- Judgments : 5 years (renewable)
Additional Wyoming Debt Collection Details
Beyond statutes of limitations, Wyoming law also regulates interest rates, late fees, bad check penalties, and mechanics lien deadlines. These provisions affect how debts can be enforced and what creditors may recover.
- Interest Rate: 7% unless otherwise agreed
- Late Fee Regulations: Must be disclosed in writing
- Bad Check Laws: Amount + $25 or actual damages
- Mechanics Lien Deadline: File within 120 days; enforce within 180 days