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Statute of Limitations on Debt [infographic]

How long is the statute of limitations? 

This number can vary, depending on if it’s over a credit card debt or judgment, fraud, and so forth.

The following page will break down each aspect of this law and the infographic below illustrates each state’s statute of limitations on credit card debt.

Can a credit card company sue you after 7 years?

We get this question every single day over here at Golden Financial Services.

After a debt is past its statute of limitations, a creditor can no longer sue you over the debt or use the court system in any way whatsoever, to help them collect on it. The statute of limitations on a debt ranges from 3-15 years, it all depends on what state you live in.

How Can You Use The Statute of Limitations to Dispute a Debt?

If a third-party debt collection account is showing up on your credit report, you can send a notarized debt validation letter to the debt collection agency, requesting:

  • Proof of when the statute of limitations expires on the debt
  • Details of how the debt collector came up with that date
  • Proof; in the form of “documentation”, to back-up their claim
  • Everything gets notarized
  • Also, ask for proof that they are licensed to collect on debt in whatever state you live (including their debt collector license number and a copy of their debt collector license)

Here’s the Statute of Limitations on Credit Card Debt for ALL 50 States [infographic]

The Statute of Limitations on Debt

If you want to use this infographic on your website, simply copy the “embed code” (AT BOTTOM OF PAGE)

Have Over $10,000 in Credit Card Debt?

  • If you have over $10,000 in credit card debt, you could qualify for debt relief
  • Pay only a small fraction of what you owe
  • A debt can either get reduced or proven to be legally uncollectible
  • Monthly payments get consolidated into one single payment
  • Flexible and affordable payment plans are available
  • Be debt free in 18-42 months
  • The debt and its associated negative marks could get removed from credit

 

If you’re reading this page, there’s a good chance that you already stopped paying on your credit cards and your credit score has already dropped.

But that’s OK.

If you break a leg, it will hurt. However, over time, your leg will heal. You will need to exercise, go to physical therapy and follow “doctor orders”. Over time, your leg muscles will strengthen and full recovery can get achieved.

Essentially, financial health works in that same way. First, you need to resolve your debt. Debt relief programs make it affordable to do so.

Next, you will need to establish new credit. Use your credit each month and pay the bill in full. Over time your credit score will rise and you’ll be living debt free.

At this point, you need to be very careful. It’s really easy to restart the “statute of limitations clock”. The debt could be expired past the statute of limitations but then you agree to a payment plan, and bam! The clock restarts and the debt collection company now has another five years to sue you over the debt.

Be careful!

Debt collectors know what buttons to press, in order to manipulate you into saying the wrong thing.

IAPDA Certified Counselors All Across The Nation Are Ready To Help – CALL (866) 376-9846 

Debt validation uses consumer federal protection laws, like the Credit Card Act of 2009 and the Fair Credit Billing Act, to dispute a debt.

Debt settlement leads to a portion of your balance getting forgiven.

Both credit card debt relief programs, let you save money and choose an affordable payment.

If a debt collection company can’t prove that they are abiding by the laws, maintaining accurate records and complete documentation – YOU MAY NOT HAVE TO PAY THE DEBT.

Client Walks Away From Paying a $4,376.39 Credit Card Debt (Example Letter From Debt Validation)

Debt validation over consolidating credit card debt

Talk to an IAPDA Certified debt professional at Golden Financial Services. You can get a free consultation and find out if you qualify for debt relief.

Want to avoid a debt relief program? Learn how to get out of debt with0ut a debt relief program, by reading this post next. 

Here’s an extensive breakdown of the statutes of limitation for credit card debt

StateYearsState statute
Alabama3 yearsTitle 6 Ch.2 Sec. 37
Alaska3 years9.10.053
Arizona6 yearsHB 2412
Arkansas5 years4-3-118
California4 yearsCode of Civil Procedure S.337
Colorado6 yearsColorado Revised Statutes Title 13 S.80-103.5
Connecticut6 yearsChapter 926 Sec. 52-576
Washington, D.C.3 years12-301
Delaware3 yearsTitle 10, Sec. 8106
Florida5 years95.11
Georgia6 years9-3-24
Hawaii6 years657-1
Idaho5 years5-216
Illinois5 yearsCode of Civil Procedure 5/13-205
Indiana6 yearsTitle 34 Art.11, 2-9
Iowa5 yearsCh. 614.1.4
Kansas3 years60-512
Kentucky5 or 15 years413.120 and 413.090
Louisiana3 yearsCivil Code Sec. 2 Art. 3494
Maine6 years14-205-752
Maryland3 yearsSection 5-101
Massachusetts6 yearsGeneral Laws Part III Title V Ch. 260-2
Michigan6 yearsCh. 600.5807.8
Minnesota6 yearsCivil Procedure Ch.541.05
Mississippi3 years15-1-29
Missouri5 yearsCh. 516-120
Montana8 years27-2-202
Nebraska4 years25-206
Nevada4 years11-190
New Hampshire3 years382-A:3-118 (g)
New Jersey6 years2A:14-1
New Mexico4 years37-1-4
New York6 yearsCivil Practice Law & Rules, 2-213
North Carolina3 yearsCivil Procedure 1-52.1
North Dakota6 years28-01-16
Ohio6 yearsCourts – Common Pleas, Ch. 2305.07
Oklahoma5 years12-95A(1)
Oregon6 yearsOregon Revised Statutes, Civil Procedure Ch. 12.080
Pennsylvania4 yearsJudicial Procedure 42 Pa. C.S. 5525(a)
Rhode Island10 years9-1-13
South Carolina3 yearsCode of Laws Title 15 Ch. 3 Sec.530
South Dakota6 years15-2-13
Tennessee6 yearsTitle 28 3-109
Texas4 yearsCivil Practice and Remedies Code, S.16.004
Utah6 years78B-2-309
Vermont6years9A-3-118
Virginia3 years8.01-246
Washington6 yearsRevised Code of Washington 4.16.040
West Virginia10 years55-2-6
Wisconsin6 years893.43
Wyoming8 years1-3-105

State-by-state statute of limitations on debt collection

StateOralWrittenPromissoryOpen
Alabama6663
Alaska6633
Arizona3563
Arkansas3633
California2444
Colorado6666
Connecticut3663
Delaware3334
Florida4554
Georgia4666
Hawaii6666
Idaho4555
Illinois510105
Indiana610106
Iowa51055
Kansas3553
Kentucky510155
Louisiana1010103
Maine6666
Maryland3363
Massachusetts6666
Michigan6666
Minnesota6666
Mississippi3333
Missouri510105
Montana5885
Nebraska4554
Nevada4634
New Hampshire3363
New Jersey6666
New Mexico4664
New York6666
North Carolina3353
North Dakota6666
Ohio1515156
Oklahoma3553
Oregon6666
Pennsylvania4444
Rhode Island10101010
South Carolina3333
South Dakota3666
Tennessee6666
Texas4444
Utah4664
Vermont6653
Virginia3563
Washington3663
West Virginia51065
Wisconsin66106
Wyoming810108

 

The statute of limitations on a debt is the period of time where a creditor can sue you over the debt. The statute of limitations on a debt ranges from 2-10 years, depending on the state and whether it’s an oral or written contract.

 

If a debt collection company threatens to sue you over a debt that already reached the statute of limitations, that debt collector is violating your consumer rights under the Fair Debt Collection Practices Act (FDCPA). You can then sue the debt collector and easily get that debt dismissed at court.

 

There are different types of a statute of limitations for different types of claims that range from debt to personal injury, to slander. There is also a criminal statute of limitations which forbids prosecutors from charging someone with a crime that was committed outside the limitations period.

 

Before we get started let’s clarify one last point. There are two types of debts.

 

  1. Oral Contracts:

 

Sally verbally promised to repay John $200 for a personal loan.

 

  1. Written Contract:

 

Credit card debt is under a written contract agreement.

 

Some states, like California, have a different time limit for collecting on written contracts and oral contracts.

 

Here’s the Statute of Limitations for all 50 States

 

The Statute of Limitations on Debt in Alabama is 3 Years

Injury to Person2 years
Libel/Slander2 years
Fraud10 years
Injury to Personal Property6 years
Professional MalpracticeMedical not under contract: 2 years §09.10.070; under contract: 6 years §09.10.050
Trespass6 years
Collection of Rents10 years
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)3 years
Collection of Debt on Account10 years
Judgments10 years

If debt collection companies are harassing you, Alabama residents do have debt relief options to protect themselves. You’ll find a summary of the Alabama debt relief options by visiting this page next.

The Statute of Limitations on Debt in Alaska 3 Years

Injury to Person2 years
Libel/Slander2 years
Fraud10 years
Injury to Personal Property6 years
Professional MalpracticeMedical not under contract: 2 years and under contract: 6 years
Trespass6 years
Collection of Rents10 years
Contracts3 years
Collection of Debt on Account10 years
Judgments10 years

Alaska residents can use debt validation and debt settlement services to dispute or settle third-party debt collection accounts.

The Statute of Limitations on Debt in Arizona is 6 Years

Injury to PersonFalse imprisonment; 1 year & if not 2 years
Libel/Slander1 year
Fraud3 years
Injury to Personal Property2 years
Professional MalpracticeMedical: 2 years
Trespass2 years
Collection of Rents
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 6 years

Oral: 3 years

Collection of Debt on Account3 years
Judgments4 years foreign judgment

 

The Statute of Limitations on Debt in Arkansas is 5 Years

Injury to Person3 years
Libel/SlanderLibel: 3 years & Slander: 1 year
FraudCommon law fraud and fraud and deceit: 3 years
Injury to Personal Property3 years
Professional MalpracticeLegal: 3 years & Medical: 2 years
Trespass3 years
Collection of Rents3 years
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 5 years

Oral: 3 years

Collection of Debt on Account3 years if not written or under seal
Judgments10 years

 

The Statute of Limitations for California on Debt & Debt Collection Accounts is 4 Years

 

Injury to PersonPersonal injury: 2 years

False imprisonment: 1-year

Libel/Slander1-year
Fraud3 years
Injury to Personal Property3 years
Professional MalpracticeLegal: 1 year from discovery, max. of 4 years from the wrong
Trespass3 years
Collection of Rents4 years Civ. Proc.
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 4 years

Oral: 2 years

Collection of Debt on Account4 years (book and stated accounts) Civ. Proc.
Judgments10 years Civ. Proc.

 

The Statute of Limitations on Debt in Colorado is 3 Years

 

Injury to Person2 years & 3 years if from use or operation of a motor vehicle
Libel/Slander1 year
Fraud1 year for actions under

3 years

Injury to Personal Property3 years if from use or operation of a motor vehicle
Professional MalpracticeVet: 2 years

Medical: 2 years upon discovery

Trespass2 years
Collection of Rents6 years
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 3 years

Oral: 3 years

Collection of Debt on Account6 years
Judgments

 

The Statute of Limitations on Debt in Connecticut is 6 Years

 

Injury to Person2 years

2years from discovery if by negligent, reckless, or wanton conduct, with max 3 years from wrong

Libel/Slander2 years
Fraud3 years
Injury to Personal Property3 years

2 years from discovery if by negligent, reckless, or wanton conduct, with max 3 years from wrong

Professional Malpractice2 years from discovery; max. of 3 from wrong
Trespass3 years
Collection of Rents
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 6 years

Oral: 3 years

Collection of Debt on Account6 years
Judgments20 years (variations for small claims judgments)

 

The Statute of Limitations on Debt in Delaware is 3 Years

 

Injury to Person2 years
Libel/Slander2 years
Fraud
Injury to Personal Property2 years
Professional Malpractice2 years
Trespass3 years
Collection of Rents
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 3 years

Oral: 3 years

Collection of Debt on Account3 years
Judgments5 years

 

The Statute of Limitations on Debt in D.C. is 3 Years

 

Injury to Person3 years
Libel/Slander1 year
Fraud3 years
Injury to Personal Property3 years
Professional Malpractice3 years
Trespass3 years
Collection of Rents3 years
ContractsWritten: 4 years (sales contract)

3 years (simple contract, including debt collection accounts)

Collection of Debt on Account3 years
Judgments12 years

 

The Statute of Limitations on Debt in Florida is 5 Years

 

Statutes of Limitation in Florida

Injury to Person4 years
Libel/Slander2 years
Fraud4 years
Injury to Personal Property4 years
Professional Malpractice2 years
Trespass4 years
Collection of Rents
Contracts (a written contract includes credit card debt that was sold to a third-party debt collection company)Written: 5 years

Oral: 4 years

Collection of Debt on Account
Judgments20 years domestic

5 years foreign judgment

 

The Statute of Limitations on Debt in Georgia is 6 Years

 

Injury to Person2 years
Libel/Slander1 year
Fraud2 years
Injury to Personal Property4 years
Professional MalpracticeMedical: 2 years
Trespass4 years
Collection of Rents
ContractsWritten: 6 years

Oral: 4 years

Collection of Debt on Account4 years
Judgments5 years foreign judgment

 

The Statute of Limitations on Debt in Hawaii is 6 Years

 

Injury to Person2 years
Libel/Slander2 years
Fraud2 years
Injury to Personal Property2 years
Professional MalpracticeMedical: 2 years from reasonable discovery
Trespass2 years
Collection of Rents6 years
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments10 years from ct. of record

6 years if judgment from a court not of record

 

The Statute of Limitations on Debt in Idaho is 5 Years

 

Injury to Person2 years
Libel/Slander2 years
Fraud3 years
Injury to Personal Property3 years
Professional Malpractice2 years
Trespass3 years
Collection of Rents5 years
ContractsWritten: 5 years

Oral: 4 years

Collection of Debt on Account
Judgments6 years

 

The Statute of Limitations on Debt in Illinois is 10 Years

Injury to Person2 years
Libel/Slander1 years
FraudFor concealment of a cause of action: 5 years

Fraud by decedent: 2 years

Injury to Personal Property5 years
Professional MalpracticeMedical: 2 years
Trespass5 years
Collection of Rents
ContractsWritten: 10 years

Oral: 5 years

Collection of Debt on Account
JudgmentsJudgment may be revived within 20 years,

In Illinois, debt relief programs can dispute and/or settle third-party debt collection accounts. Learn about Illinois debt relief programs by visiting this page next.

 

The Statute of Limitations on Debt in Indiana is 6 Years (including credit card debt)

 

Injury to Person2 years
Libel/Slander2 years
Fraud6 years
Injury to Personal Property2 years
Professional Malpractice2 years
Trespass2 years
Collection of Rents6 years
ContractsWritten: 10 years

6 years for a contract for payment of money

Oral: 6 years

2 years employment agreements

Collection of Debt on Account6 years
Judgments20 years

 

The Statute of Limitations on Debt in Iowa is 10 Years (including credit card debt)

Code SectionIowa Code 614, et seq.: Limitation of Actions
Injury to Person2 years
Libel/Slander2 years
Fraud5 years
Injury to Personal Property5 years
Professional MalpracticeMedical: 2 years from reasonable discovery; max. of 6 from act
Trespass5 years
Collection of RentsIf rent is prescribed in a written contract then 10 years
ContractsWritten: 10 years

Oral: 5 years

Collection of Debt on AccountIf rent is prescribed in a written contract then 10 years
Judgments20 years: a judgment of a court of record

10 years: a judgment of court not of record

 

The Statute of Limitations on Debt in Kansas is 5 Years (including credit card debt)

 

Code SectionKansas Statutes 60-501, et seq.: Limitations of Actions
Injury to Person2 years

60-514(b)

Libel/Slander1 year

60-514(a)

Fraud2 years does not begin accruing until fraud is discovered
Injury to Personal Property2 years
Professional Malpractice2 years from reasonable discovery, 4 max.
Trespass2 years
Collection of RentsIf pursuant to an oral or implied contract: 3 years (5 years for all written contracts, however)
ContractsWritten: 5 years

Oral: 3 years

Collection of Debt on AccountIf pursuant to a contract, express or implied: 3 years
Judgments

 

The Statute of Limitations on Debt in Kentucky is 15 Years (including credit card debt)

 

Code SectionKentucky Revised Statutes 413.010, et seq.: Limitation of Actions
Injury to Person1 year
Libel/Slander1 year
Fraud5 years
Injury to Personal Property2 years
Professional MalpracticeProfessional service: 1 year

Medical: 1 year

Trespass5 years
Collection of RentsIf prescribed by written contract then 15 years
ContractsWritten: 15 years

Oral: 5 years

Collection of Debt on Account5 years
Judgments15 years

 

The Statute of Limitations on Debt in Louisiana is 10 Years (including credit card debt)

 

Injury to Person1 year
Libel/Slander1 year
Fraud1 year
Injury to Personal Property1 year
Professional Malpractice1 year
Trespass1 years
Collection of Rents3 years
ContractsWritten: 10 years

Oral: 10 years

Collection of Debt on Account3 years Civ. Code
JudgmentsMonetary judgments: 10 years

 

The Statute of Limitations on Debt in Maine is 6 Years (including debt collection accounts)

 

Injury to PersonTypically, 6 years, unless based on assault, battery, or false imprisonment, then it’s 2 years.
Injury to Personal PropertyAll civil acts must commence within 6 years, unless another limit is provided by law elsewhere, under Maine Code Revised
FraudMust start legal proceedings within 6 years
Libel or Slander2 years under Maine Code Revised
Trespass6 years
Professional MalpracticeDepends on the type of professional:

  • Architects, Engineers, and Land Surveyors: Within 4 years of discovery of the negligence or malpractice, but no later than 10 years after completion of construction or services contract
  • Attorneys: Typically 2 years, however, real estate title opinions can be started after discovery up to a maximum of 20 years later, and the will drafting time limit doesn’t start until the negligence is discovered (could be after the client has passed)
  • Medical Providers: 3 years, although minors have 6 years or 3 years after reaching adulthood, whichever comes first, and mental health provider malpractice based on sexual acts has a different limit of up to 6 years (until July 1, 2017)
Contracts6 years for credit card debt and debt collection accounts
Collection of Rent6 years
Collection of Debt on Account6 years
Court JudgmentsCourt judgments and decrees are presumed paid at the end of 20 years, under Maine Code Revised

 

The Statute of Limitations on Debt in Maryland is 3 Years

 

Injury to Person3 years Cts. & Jud. Proc.
Libel/Slander1 year Cts. & Jud. Proc.
Fraud3 year general limit Cts. & Jud. Proc.
Injury to Personal Property3 years generally Cts. & Jud. Proc.
Professional MalpracticeMedical: 5 years from injury or 3 years from discovery, whichever is shorter (max. 7) Cts. & Jud. Proc.
Trespass3 year general limit Cts. & Jud. Proc.
Collection of Rents3 years general limit Cts. & Jud. Proc.
ContractsWritten: 3 years

12 years if under seal Cts. & Jud. Proc.

Collection of Debt on Account3 years Cts. & Jud. Proc.
Judgments12 years Cts. & Jud. Proc.

 

The Statute of Limitations on Debt in Massachusetts is 6 Years (all debts)

 

Injury to Person3 years
Libel/Slander3 years
Fraud3 years
Injury to Personal Property3 years
Professional Malpractice3 years, max. 7 years (personal injury)
Trespass3 years
Collection of Rents3 years
Contracts6 years for any debt
Collection of Debt on Account6 years
Judgments6 years

 

The Statute of Limitations on Debt in Michigan is 6 Years

 

Injury to Person3 years
Libel/Slander1 year
Fraud6 years
Injury to Personal Property3 years
Professional Malpractice2 years
Trespass6 years
Collection of Rents6 years
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments10 years ct. of record; 6 years ct. not of record

 

The Statute of Limitations on Debt in Minnesota is 6 Years (all debts)

 

Injury to Person2 years
Libel/Slander2 years
Fraud6 years
Injury to Personal Property6 years
Professional MalpracticeMedical and veterinary: 2 years
Trespass6 years
Collection of Rents
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account
Judgments10 years

 

The Statute of Limitations on Debt in Mississippi is 3 Years

 

Injury to Person3 years
Libel/Slander1 year
Fraud
Injury to Personal Property3 years
Professional Malpractice2 years from act or discovery
Trespass
Collection of Rents
ContractsOral: 3 years;

unwritten contract based on employment: 1 year

Collection of Debt on Account3 years
Judgments7 years domestic and foreign judgments

 

The Statute of Limitations on Credit Card Debt in Missouri is 5 Years (with promissory notes 10 years)

 

Injury to Person5 years
Libel/Slander2 years
Fraud10 years
Injury to Personal Property5 years
Professional MalpracticeMedical: 2 years from discovery, max.
Trespass5 years
Collection of Rents10 years
ContractsWritten: 5 years

Written: 10 years with a promissory note

Oral: 5 years

Collection of Debt on Account10 years if in writing
Judgments10 years

 

The Statute of Limitations on Debt in Montana is 8 Years

 

Injury to PersonInjury: 3 years ;

Assault & Battery: 2 years

Wrongful Death: 3 years

Libel/Slander2 years
Fraud2 years
Injury to Personal Property2 years
Professional MalpracticeLegal: 3 years from discovery, max. 10 yearsMedical: 3 years, max. 5 years
Trespass2 years
Collection of Rents3 years obligation or liability other than contract not in writing
ContractsWritten: 8 years

Oral: 5 years

Collection of Debt on Account3 years obligation or liability other than contract not in writing
Judgments10 years §27-2-201(2)
Product Liability3 years §27-2-204(1)
False Imprisonment2 years § 27-2-204(3)

 

The Statute of Limitations on Debt in Nebraska is 5 Years

Injury to Person4 years
Assault and Battery1 year
Libel/Slander1 year
Fraud4 years
Injury to Personal Property4 years
Professional Malpractice2 years or 1 year from discovery

2 years

Trespass4 years
Collection of Rents4 years
ContractsWritten: 5 years

Oral: 4 years

Collection of Debt on Account4 years
Judgments5 years (foreign)
Wrongful Death2 years

 

The Statute of Limitations on Debt in Nevada is 6 Years

 

Injury to Person2 years
Libel/Slander2 years
Fraud3 years
Injury to Personal Property3 years
Professional MalpracticeAccountant, Attorney, Veterinarian: 4 years; Medical: 2 years after discovery or 4 years
Trespass3 years
Collection of Rents4 years
ContractsWritten: 6 years

Oral: 4 years

Collection of Debt on Account4 years
Judgments6 years

 

The Statute of Limitations on Debt in New Hampshire is 3 Years

 

Injury to Person3 years
Libel/Slander3 years
Fraud3 years
Injury to Personal Property3 years
Professional Malpractice3 years
Trespass2 years
Collection of Rents
ContractsWritten contracts & open contracts 3 years
Collection of Debt on Account
Judgments20 years

 

The Statute of Limitations on Debt in New Jersey is 6 Years

 

Libel/Slander1 year
Fraud6 years
Injury to Personal Property6 years
Professional Malpractice2 years
Trespass6 years
Collection of Rents16 years
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments20 years from court of record

 

The Statute of Limitations on Debt in New Mexico is 6 Years

 

Code SectionsNew Mexico Statutes Chapter 37, Article 1: Limitations of Actions
Fraud4 years
Libel or Slander3 years
Injury to Person3 years
Injury to Personal Property4 years
Trespass4 years
Professional MalpracticeMedical Malpractice: 3 years, Legal Malpractice: 4 years
Collection of Debt on Account4 years
Contracts6 years for written contracts

4 years for oral contracts

Judgments14 years from the date of judgment
Other ActionsTypically, if it’s not provided in these statutes, it’ll be a 4-year limit.
Child Sexual Abuse3 years from the date the person had reason to know the child sexual abuse injured the person as established by medical or psychological testimony.

 

The Statute of Limitations on Debt in New York is 6 Years

 

Injury to Person3 years
Libel/Slander1-year N.Y.
Fraud6 years N.Y.
Injury to Personal Property3 years
Professional Malpractice3 years; medical:
Trespass3 years
Collection of Rents6 years
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments20 years

 

The Statute of Limitations on Debt in North Carolina is 3 Years

 

Injury to Person3 years
Libel/Slander1 year
Fraud3 years
Injury to Personal Property3 years
Professional Malpractice2 years or more after the occurrence of the last act of the defendant, max. 4 years; damages by reason of a foreign object left in body; 1 year upon discovery, max. 10 years
Trespass3 years
Collection of Rents3 years
ContractsWritten: 3 years

Oral: 3 years

Collection of Debt on Account
Judgments10 years

 

The Statute of Limitations on Debt in North Dakota is 6 Years

 

Injury to Person6 years
Libel/Slander2 years
Fraud6 years
Injury to Personal Property6 years
Professional Malpractice2 years; (Medical: max.6)
Trespass6 years
Collection of Rents6 years
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments10 years

 

The Statute of Limitations on Debt in Ohio is 8 Years

 

Injury to Person2 years
Libel/Slander1 year
Fraud4 years
Injury to Personal Property2 years
Professional Malpractice1 year; Medical: 1 year to give notice which extends time 180 days after notice, max. 4 years
Trespass4 years
Collection of Rents
ContractsWritten: 8 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments21 years

 

The Statute of Limitations on Debt in Oklahoma is 5 Years

 

Injury to Person2 years
Defamation (Libel/Slander)1 years
Fraud2 years
Injury to Personal Property2 years
Professional Malpractice2 years
Trespass2 years
Collection of Rents5 years
ContractsWritten: 5 years

Oral: 3 years

Collection of Debt on Account5 years
Judgments3 years foreign judgment

 

The Statute of Limitations on Debt in Oregon is 6 Years

 

Injury to Person2 years
Libel/Slander2 years
Fraud2 years from discovery
Injury to Personal Property6 years
Professional MalpracticeMedical: 2 years from act or reasonable discovery (max. 5 years)
Trespass6 years
Collection of Rents1 year
ContractsWritten: 6 years

Oral: 6 years

Collection of Debt on Account6 years
Judgments10 years

 

The Statute of Limitations on Debt in Pennsylvania is 4 Years (including credit cards, medical bills, personal loans)

Injury to Person2 years
Libel/Slander1 years
Fraud2 years
Injury to Personal Property2 years
Professional Malpractice2 years
Trespass2 years
Collection of Rents21 years
Contracts4 years for all debts
Collection of Debt on Account2 years Tit. 42§5524
Judgments4 years Tit. 42 §5525(5)

 

The Statute of Limitations on Debt in Rhode Island is 10 Years (for All Debts)

Injury to Person3 years
Libel/SlanderSlander:
Fraud10 years
Injury to Personal Property10 years
Professional MalpracticeMedical, Legal, Veterinarian, Accounting, Insurance, or Real Estate: 3 years
Product Liability3 years
Trespass
Collection of Rents
Contracts10 years for written and oral contracts, and open-ended accounts
Collection of Debt on Account
Judgments20 years
Wrongful Death2 years

Note: State laws are subject to change at any time through the enactment of newly signed

 

The Statute of Limitations on Debt in South Carolina is 3 Years (for All Debts)

Injury to Person3 years
Injury to Personal Property3 years
Libel, Slander, or False Imprisonment2 years
Fraud3 years
Professional MalpracticeFor medical malpractice: Generally, a lawsuit must be brought within 3 years from the act (i.e. surgery) or the date the harm should reasonably have been discovered, with a maximum time limit is 6 years. If a foreign object is left in the body, the time limit is 2 years. The most the statute of limitations will be tolled for an injured child is 7 years total or 1 year after turning 18.

For architects, contractors, and professional engineers malpractice: Typically 8 years

Trespass3 years
Contracts3 years for all debt
Judgments10 years
Sexual Abuse or Incest Civil Remedies6 years after the person turns 21 years old or within 3 years of the time of discovery of the injury, whichever occurs later
Wrongful Death3 years

 

The Statute of Limitations on Debt in South Dakota is 6 Years (for All Debts)

 

Injury to Person3 years
Libel and Slander2 years
Fraud6 years
Injury to Personal Property6 years
Professional MalpracticeMedical: 2 years

Legal: 3 years

CPA: 4 years

Trespass to Real Estate6 years 15-2-13(3)
Collection of Rents
Contracts6 years
Collection of Debt on Account
Court Judgments20 years Domestic judgments

10 years Foreign judgments

 

The Statute of Limitations on Debt in Tennessee is 6 Years (for All Debts)

 

Injury to Person1 year
Libel/SlanderLibel: 1 year

Slander: 6 mos.

FraudNot specified
Injury to Personal Property3 years
Professional MalpracticeLegal: 1 year
Trespass3 years
Collection of Rents6 years
ContractsWritten and oral: 6 years
Collection of Debt on Account6 years
Judgments10 years

 

The Statute of Limitations on Debt in Texas is 4 Years

Injury to Person2 years Civ. Prac. & Rem.

5 years for sex crimes

Libel/Slander1 year Civ. Prac. & Rem.
Fraud4 years Civ. Prac. & Rem.
Injury to Personal Property2 years Civ. Prac. & Rem.
Professional Malpractice
Trespass2 years Civ. Prac. & Rem.
Collection of Rents
ContractsWritten: 4 years (works alongside the

Texas Debt Collection Act)

Collection of Debt on Account4 years Civ. Prac. & Rem.
Judgments

 

The Statute of Limitations on Debt in Utah is 6 Years

 

Code SectionsUtah Code Title 78B: Judicial Code, Chapter 2: Statute of Limitations
Wrongful DeathCases for the wrongful death of a family member must be brought within two years or one year if against a city, town, or county government
Injury to Person4 years
Injury to Personal Property3 years
Injury to Real Property or Trespass3 years
Libel or Slander1 year
Fraud3 years
Medical Malpractice2 years
ContractsWritten: 4 years

Oral: 6 years

Collection of RentFor commercial leases, four years, but can agree to a shorter time limit for rent collection in the original lease, as short as one year.

For residential leases, typically, a money judgment is entered after eviction and the judgment can be enforced for eight years, see below.

Collection of Debt for a Credit Card or AccountFour years
JudgmentsEight years

 

The Statute of Limitations on Debt in Vermont is 3 Years (for open-end accounts, like credit cards)

Injury to Person3 years
Libel/Slander3 years
Fraud6 years
Injury to Personal Property3 years
Professional MalpracticeMedical: 3 years from incident or 2 from reasonable discovery (max. 7 years)
Trespass, 3 years, Tit. 12 Vt. Stat. § 512(5)
Collection of Rents
Contracts3 years for Open End Accounts Including Credit Cards

6 years for Written & Oral Contracts

5 years Promissory Notes

Collection of Debt on Account6 years
Judgments10 years
Product Liability3 years
False Imprisonment3 years

 

Statute of Limitations on Debt in Virginia is 5 Years (for open end accounts, like credit cards)

 

Injury to Person2 years
Libel/Slander2 years
Fraud2 years
Injury to Personal Property5 years
Professional MalpracticeHealth care providers: 1 to 2 years; 10 max.
Trespass5 years
Collection of Rents
ContractsWritten: 5 years

Oral: 3 years

Collection of Debt on Account
Judgments20 years

10 years to enforce a lien

 

The Statute of Limitations on Debt in Washington is 6 Years

 

Injury to Person3 years
Libel/Slander2 years
Fraud3 years
Injury to Personal Property3 years
Professional MalpracticeMedical: 3 years of injury or 1 year upon discovery (max. 8 years)
Trespass3 years
Collection of Rents6 years
ContractsWritten: 6 years

Oral: 3 years

Collection of Debt on Account6 years
Judgments10 years

 

The Statute of Limitations on Debt in West Virginia is 10 Years

 

Code SectionWest Virginia Code 55-2-101, et seq.: Limitation of Actions and Suits
Injury to Person2 years
Libel/Slander1 year
Fraud
Injury to Personal Property2 years
Professional Malpractice2 years
Trespass2 years
Collection of Rents5 years
ContractsWritten: 10 years

Oral: 5 years

Collection of Debt on Account
Judgments10 years Foreign judgment

 

The Statute of Limitations on Debt in Wisconsin is 6 Years

 

Injury to Person3 years
Libel/Slander2 years
Fraud6 years
Injury to Personal Property6 years
Professional MalpracticeMedical: the later of 3 years from an incident or 1 year from discovery (max. 5 years)
Trespass6 years
Collection of Rents6 years
ContractsWritten: 6 years
Collection of Debt on Account
Judgments20 years; 6 years ct. not of record

 

The Statute of Limitations on Debt in Wyoming is 10 Years

Injury to Person4 years
Libel/Slander1 year
Fraud4 years
Injury to Personal Property4 years
Professional Malpractice
Trespass4 years
Collection of Rents
ContractsWritten: 10 years

Oral: 8 years

Collection of Debt on Account5 years
Judgments5 years foreign judgment

Source:

FindLaw, https://codes.findlaw.com, 07/10/2018

HERE’S THE STATUTE OF LIMITATIONS INFOGRAPHIC (EMBED CODE TO PUBLISH IT ON YOUR WEBSITE)

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