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Kentucky
15
Ohio
15
Illinois
10
Indiana
10
Iowa
10
Louisiana
10
Missouri
10
West Virginia
10
Wyoming
10
Montana
8
Alabama
6
Alaska
6
Arizona
6
Colorado
6
Connecticut
6
Georgia
6
Hawaii
6
Kansas
6
Maine
6
Massachusetts
6
Michigan
6
Minnesota
6
Nevada
6
New Jersey
6
New Mexico
6
North Dakota
6
Oregon
6
South Dakota
6
Tennessee
6
Utah
6
Vermont
6
Washington
6
Wisconsin
6
Arkansas
5
Florida
5
Idaho
5
Nebraska
5
Oklahoma
5
Rhode Island
5
Virginia
5
California
4
Pennsylvania
4
Texas
4
Delaware
3
District of Columbia
3
Maryland
3
New Hampshire
3
New York
3
North Carolina
3
South Carolina
3

Statute of Limitations on Debt by State 2024

Statute of Limitations on Debt by State 2024

The statute of limitations on debt is a rule limiting how long a creditor can sue an individual for payment on a debt. All consumer debts have limits on the number of years creditors have, and each state has its own limitations.

Debts that have passed the statute of limitations are known as time-barred debt. Even after the statute of limitations passes, these debts still appear on credit reports and your credit rating is still affected. Furthermore, having time-barred debts does not mean you are no longer responsible for paying the debt back.

Every state has its own statute of limitations on debt, and each varies depending on the type of debt you have. There are four types of debt. An oral agreement is a debt made based on a verbal agreement to pay back the money. A written contract is a debt that came with a contract signed by you and the creditor. A promissory note is a written agreement to pay back the debt in payment at a specific interest rate by a certain date and time. An open-ended account is an account with a revolving balance that you can repay and then borrow again such as a credit card.

It is important that you establish which type of debt you have when looking at each state’s limits.

Statute of Limitations on Debt by State 2024

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State
Written Contracts
Oral Contracts
Promissory Notes
Open-Ended Debts
Notes
Kentucky155
15
5
Ohio156
15
6
Illinois105
10
5
Indiana106
10
6
Iowa105
5
5
Louisiana1010
10
3
Missouri105
10
5
West Virginia105
6
5
Wyoming108
10
8
Montana83
8
5
Alabama66
6
3
Alaska66
3
3
Arizona63
6
3
Colorado66
6
3
Connecticut63
6
3
Georgia64
6
6
Hawaii66
6
6
Kansas63
5
3
Maine66
6
6
Massachusetts66
6
6
Michigan66
6
6
Minnesota66
6
6
Nevada64
3
4
New Jersey66
6
3
New Mexico64
6
4
North Dakota66
6
6
Oregon66
6
6
South Dakota66
6
6
Tennessee66
6
3
Utah64
6
4
Vermont66
5
3
Washington63
6
3
Wisconsin66
10
6
Arkansas55
5
3
Florida54
5
4
Idaho54
5
4
Nebraska54
5
4
Oklahoma53
5
3
Rhode Island510
6
4
Virginia53
6
3
California42
4
4
Pennsylvania44
4
4
Texas44
4
4
Delaware33
3
4
District of Columbia33
3
3
Maryland33
6
3
Rises to 12 years for written contracts and promissory notes if contract or note is under seal
New Hampshire33
6
3
New York33
3
3
North Carolina33
5
3
Rises to 10 years for written contracts that are under seal
South Carolina33
3
3
showing: 50 rows

Statute of Limitations on Debt by State 2024

Sources