Current Events and News

© 2004 - 2018 Golden Financial Services

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

State Years State statute
Alabama 3 years Title 6 Ch.2 Sec. 37
Alaska 3 years 9.10.053
Arizona 6 years HB 2412
Arkansas 5 years 4-3-118
California 4 years Code of Civil Procedure S.337
Colorado 6 years Colorado Revised Statutes Title 13 S.80-103.5
Connecticut 6 years Chapter 926 Sec. 52-576
Washington, D.C. 3 years 12-301
Delaware 3 years Title 10, Sec. 8106
Florida 5 years 95.11
Georgia 6 years 9-3-24
Hawaii 6 years 657-1
Idaho 5 years 5-216
Illinois 5 years Code of Civil Procedure 5/13-205
Indiana 6 years Title 34 Art.11, 2-9
Iowa 5 years Ch. 614.1.4
Kansas 3 years 60-512
Kentucky 5 or 15 years 413.120 and 413.090
Louisiana 3 years Civil Code Sec. 2 Art. 3494
Maine 6 years 14-205-752
Maryland 3 years Section 5-101
Massachusetts 6 years General Laws Part III Title V Ch. 260-2
Michigan 6 years Ch. 600.5807.8
Minnesota 6 years Civil Procedure Ch.541.05
Mississippi 3 years 15-1-29
Missouri 5 years Ch. 516-120
Montana 8 years 27-2-202
Nebraska 4 years 25-206
Nevada 4 years 11-190
New Hampshire 3 years 382-A:3-118 (g)
New Jersey 6 years 2A:14-1
New Mexico 4 years 37-1-4
New York 6 years Civil Practice Law & Rules, 2-213
North Carolina 3 years Civil Procedure 1-52.1
North Dakota 6 years 28-01-16
Ohio 6 years Courts – Common Pleas, Ch. 2305.07
Oklahoma 5 years 12-95A(1)
Oregon 6 years Oregon Revised Statutes, Civil Procedure Ch. 12.080
Pennsylvania 4 years Judicial Procedure 42 Pa. C.S. 5525(a)
Rhode Island 10 years 9-1-13
South Carolina 3 years Code of Laws Title 15 Ch. 3 Sec.530
South Dakota 6 years 15-2-13
Tennessee 6 years Title 28 3-109
Texas 4 years Civil Practice and Remedies Code, S.16.004
Utah 6 years 78B-2-309
Vermont 6years 9A-3-118
Virginia 3 years 8.01-246
Washington 6 years Revised Code of Washington 4.16.040
West Virginia 10 years 55-2-6
Wisconsin 6 years 893.43
Wyoming 8 years 1-3-105

State-by-state statute of limitations on debt collection

State Oral Written Promissory Open
Alabama 6 6 6 3
Alaska 6 6 3 3
Arizona 3 5 6 3
Arkansas 3 6 3 3
California 2 4 4 4
Colorado 6 6 6 6
Connecticut 3 6 6 3
Delaware 3 3 3 4
Florida 4 5 5 4
Georgia 4 6 6 6
Hawaii 6 6 6 6
Idaho 4 5 5 5
Illinois 5 10 10 5
Indiana 6 10 10 6
Iowa 5 10 5 5
Kansas 3 5 5 3
Kentucky 5 10 15 5
Louisiana 10 10 10 3
Maine 6 6 6 6
Maryland 3 3 6 3
Massachusetts 6 6 6 6
Michigan 6 6 6 6
Minnesota 6 6 6 6
Mississippi 3 3 3 3
Missouri 5 10 10 5
Montana 5 8 8 5
Nebraska 4 5 5 4
Nevada 4 6 3 4
New Hampshire 3 3 6 3
New Jersey 6 6 6 6
New Mexico 4 6 6 4
New York 6 6 6 6
North Carolina 3 3 5 3
North Dakota 6 6 6 6
Ohio 15 15 15 6
Oklahoma 3 5 5 3
Oregon 6 6 6 6
Pennsylvania 4 4 4 4
Rhode Island 10 10 10 10
South Carolina 3 3 3 3
South Dakota 3 6 6 6
Tennessee 6 6 6 6
Texas 4 4 4 4
Utah 4 6 6 4
Vermont 6 6 5 3
Virginia 3 5 6 3
Washington 3 6 6 3
West Virginia 5 10 6 5
Wisconsin 6 6 10 6
Wyoming 8 10 10 8

 

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 Person 2 years
Libel/Slander 2 years
Fraud 10 years
Injury to Personal Property 6 years
Professional Malpractice Medical not under contract: 2 years §09.10.070; under contract: 6 years §09.10.050
Trespass 6 years
Collection of Rents 10 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 Account 10 years
Judgments 10 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 Person 2 years
Libel/Slander 2 years
Fraud 10 years
Injury to Personal Property 6 years
Professional Malpractice Medical not under contract: 2 years and under contract: 6 years
Trespass 6 years
Collection of Rents 10 years
Contracts 3 years
Collection of Debt on Account 10 years
Judgments 10 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 Person False imprisonment; 1 year & if not 2 years
Libel/Slander 1 year
Fraud 3 years
Injury to Personal Property 2 years
Professional Malpractice Medical: 2 years
Trespass 2 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 Account 3 years
Judgments 4 years foreign judgment

 

The Statute of Limitations on Debt in Arkansas is 5 Years

Injury to Person 3 years
Libel/Slander Libel: 3 years & Slander: 1 year
Fraud Common law fraud and fraud and deceit: 3 years
Injury to Personal Property 3 years
Professional Malpractice Legal: 3 years & Medical: 2 years
Trespass 3 years
Collection of Rents 3 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 Account 3 years if not written or under seal
Judgments 10 years

 

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

 

Injury to Person Personal injury: 2 years

False imprisonment: 1-year

Libel/Slander 1-year
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice Legal: 1 year from discovery, max. of 4 years from the wrong
Trespass 3 years
Collection of Rents 4 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 Account 4 years (book and stated accounts) Civ. Proc.
Judgments 10 years Civ. Proc.

 

The Statute of Limitations on Debt in Colorado is 3 Years

 

Injury to Person 2 years & 3 years if from use or operation of a motor vehicle
Libel/Slander 1 year
Fraud 1 year for actions under

3 years

Injury to Personal Property 3 years if from use or operation of a motor vehicle
Professional Malpractice Vet: 2 years

Medical: 2 years upon discovery

Trespass 2 years
Collection of Rents 6 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 Account 6 years
Judgments

 

The Statute of Limitations on Debt in Connecticut is 6 Years

 

Injury to Person 2 years

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

Libel/Slander 2 years
Fraud 3 years
Injury to Personal Property 3 years

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

Professional Malpractice 2 years from discovery; max. of 3 from wrong
Trespass 3 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 Account 6 years
Judgments 20 years (variations for small claims judgments)

 

The Statute of Limitations on Debt in Delaware is 3 Years

 

Injury to Person 2 years
Libel/Slander 2 years
Fraud
Injury to Personal Property 2 years
Professional Malpractice 2 years
Trespass 3 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 Account 3 years
Judgments 5 years

 

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

 

Injury to Person 3 years
Libel/Slander 1 year
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice 3 years
Trespass 3 years
Collection of Rents 3 years
Contracts Written: 4 years (sales contract)

3 years (simple contract, including debt collection accounts)

Collection of Debt on Account 3 years
Judgments 12 years

 

The Statute of Limitations on Debt in Florida is 5 Years

 

Statutes of Limitation in Florida

Injury to Person 4 years
Libel/Slander 2 years
Fraud 4 years
Injury to Personal Property 4 years
Professional Malpractice 2 years
Trespass 4 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
Judgments 20 years domestic

5 years foreign judgment

 

The Statute of Limitations on Debt in Georgia is 6 Years

 

Injury to Person 2 years
Libel/Slander 1 year
Fraud 2 years
Injury to Personal Property 4 years
Professional Malpractice Medical: 2 years
Trespass 4 years
Collection of Rents
Contracts Written: 6 years

Oral: 4 years

Collection of Debt on Account 4 years
Judgments 5 years foreign judgment

 

The Statute of Limitations on Debt in Hawaii is 6 Years

 

Injury to Person 2 years
Libel/Slander 2 years
Fraud 2 years
Injury to Personal Property 2 years
Professional Malpractice Medical: 2 years from reasonable discovery
Trespass 2 years
Collection of Rents 6 years
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 10 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 Person 2 years
Libel/Slander 2 years
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice 2 years
Trespass 3 years
Collection of Rents 5 years
Contracts Written: 5 years

Oral: 4 years

Collection of Debt on Account
Judgments 6 years

 

The Statute of Limitations on Debt in Illinois is 10 Years

Injury to Person 2 years
Libel/Slander 1 years
Fraud For concealment of a cause of action: 5 years

Fraud by decedent: 2 years

Injury to Personal Property 5 years
Professional Malpractice Medical: 2 years
Trespass 5 years
Collection of Rents
Contracts Written: 10 years

Oral: 5 years

Collection of Debt on Account
Judgments Judgment 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 Person 2 years
Libel/Slander 2 years
Fraud 6 years
Injury to Personal Property 2 years
Professional Malpractice 2 years
Trespass 2 years
Collection of Rents 6 years
Contracts Written: 10 years

6 years for a contract for payment of money

Oral: 6 years

2 years employment agreements

Collection of Debt on Account 6 years
Judgments 20 years

 

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

Code Section Iowa Code 614, et seq.: Limitation of Actions
Injury to Person 2 years
Libel/Slander 2 years
Fraud 5 years
Injury to Personal Property 5 years
Professional Malpractice Medical: 2 years from reasonable discovery; max. of 6 from act
Trespass 5 years
Collection of Rents If rent is prescribed in a written contract then 10 years
Contracts Written: 10 years

Oral: 5 years

Collection of Debt on Account If rent is prescribed in a written contract then 10 years
Judgments 20 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 Section Kansas Statutes 60-501, et seq.: Limitations of Actions
Injury to Person 2 years

60-514(b)

Libel/Slander 1 year

60-514(a)

Fraud 2 years does not begin accruing until fraud is discovered
Injury to Personal Property 2 years
Professional Malpractice 2 years from reasonable discovery, 4 max.
Trespass 2 years
Collection of Rents If pursuant to an oral or implied contract: 3 years (5 years for all written contracts, however)
Contracts Written: 5 years

Oral: 3 years

Collection of Debt on Account If 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 Section Kentucky Revised Statutes 413.010, et seq.: Limitation of Actions
Injury to Person 1 year
Libel/Slander 1 year
Fraud 5 years
Injury to Personal Property 2 years
Professional Malpractice Professional service: 1 year

Medical: 1 year

Trespass 5 years
Collection of Rents If prescribed by written contract then 15 years
Contracts Written: 15 years

Oral: 5 years

Collection of Debt on Account 5 years
Judgments 15 years

 

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

 

Injury to Person 1 year
Libel/Slander 1 year
Fraud 1 year
Injury to Personal Property 1 year
Professional Malpractice 1 year
Trespass 1 years
Collection of Rents 3 years
Contracts Written: 10 years

Oral: 10 years

Collection of Debt on Account 3 years Civ. Code
Judgments Monetary judgments: 10 years

 

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

 

Injury to Person Typically, 6 years, unless based on assault, battery, or false imprisonment, then it’s 2 years.
Injury to Personal Property All civil acts must commence within 6 years, unless another limit is provided by law elsewhere, under Maine Code Revised
Fraud Must start legal proceedings within 6 years
Libel or Slander 2 years under Maine Code Revised
Trespass 6 years
Professional Malpractice Depends 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)
Contracts 6 years for credit card debt and debt collection accounts
Collection of Rent 6 years
Collection of Debt on Account 6 years
Court Judgments Court 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 Person 3 years Cts. & Jud. Proc.
Libel/Slander 1 year Cts. & Jud. Proc.
Fraud 3 year general limit Cts. & Jud. Proc.
Injury to Personal Property 3 years generally Cts. & Jud. Proc.
Professional Malpractice Medical: 5 years from injury or 3 years from discovery, whichever is shorter (max. 7) Cts. & Jud. Proc.
Trespass 3 year general limit Cts. & Jud. Proc.
Collection of Rents 3 years general limit Cts. & Jud. Proc.
Contracts Written: 3 years

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

Collection of Debt on Account 3 years Cts. & Jud. Proc.
Judgments 12 years Cts. & Jud. Proc.

 

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

 

Injury to Person 3 years
Libel/Slander 3 years
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice 3 years, max. 7 years (personal injury)
Trespass 3 years
Collection of Rents 3 years
Contracts 6 years for any debt
Collection of Debt on Account 6 years
Judgments 6 years

 

The Statute of Limitations on Debt in Michigan is 6 Years

 

Injury to Person 3 years
Libel/Slander 1 year
Fraud 6 years
Injury to Personal Property 3 years
Professional Malpractice 2 years
Trespass 6 years
Collection of Rents 6 years
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 10 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 Person 2 years
Libel/Slander 2 years
Fraud 6 years
Injury to Personal Property 6 years
Professional Malpractice Medical and veterinary: 2 years
Trespass 6 years
Collection of Rents
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account
Judgments 10 years

 

The Statute of Limitations on Debt in Mississippi is 3 Years

 

Injury to Person 3 years
Libel/Slander 1 year
Fraud
Injury to Personal Property 3 years
Professional Malpractice 2 years from act or discovery
Trespass
Collection of Rents
Contracts Oral: 3 years;

unwritten contract based on employment: 1 year

Collection of Debt on Account 3 years
Judgments 7 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 Person 5 years
Libel/Slander 2 years
Fraud 10 years
Injury to Personal Property 5 years
Professional Malpractice Medical: 2 years from discovery, max.
Trespass 5 years
Collection of Rents 10 years
Contracts Written: 5 years

Written: 10 years with a promissory note

Oral: 5 years

Collection of Debt on Account 10 years if in writing
Judgments 10 years

 

The Statute of Limitations on Debt in Montana is 8 Years

 

Injury to Person Injury: 3 years ;

Assault & Battery: 2 years

Wrongful Death: 3 years

Libel/Slander 2 years
Fraud 2 years
Injury to Personal Property 2 years
Professional Malpractice Legal: 3 years from discovery, max. 10 yearsMedical: 3 years, max. 5 years
Trespass 2 years
Collection of Rents 3 years obligation or liability other than contract not in writing
Contracts Written: 8 years

Oral: 5 years

Collection of Debt on Account 3 years obligation or liability other than contract not in writing
Judgments 10 years §27-2-201(2)
Product Liability 3 years §27-2-204(1)
False Imprisonment 2 years § 27-2-204(3)

 

The Statute of Limitations on Debt in Nebraska is 5 Years

Injury to Person 4 years
Assault and Battery 1 year
Libel/Slander 1 year
Fraud 4 years
Injury to Personal Property 4 years
Professional Malpractice 2 years or 1 year from discovery

2 years

Trespass 4 years
Collection of Rents 4 years
Contracts Written: 5 years

Oral: 4 years

Collection of Debt on Account 4 years
Judgments 5 years (foreign)
Wrongful Death 2 years

 

The Statute of Limitations on Debt in Nevada is 6 Years

 

Injury to Person 2 years
Libel/Slander 2 years
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice Accountant, Attorney, Veterinarian: 4 years; Medical: 2 years after discovery or 4 years
Trespass 3 years
Collection of Rents 4 years
Contracts Written: 6 years

Oral: 4 years

Collection of Debt on Account 4 years
Judgments 6 years

 

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

 

Injury to Person 3 years
Libel/Slander 3 years
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice 3 years
Trespass 2 years
Collection of Rents
Contracts Written contracts & open contracts 3 years
Collection of Debt on Account
Judgments 20 years

 

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

 

Libel/Slander 1 year
Fraud 6 years
Injury to Personal Property 6 years
Professional Malpractice 2 years
Trespass 6 years
Collection of Rents 16 years
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 20 years from court of record

 

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

 

Code Sections New Mexico Statutes Chapter 37, Article 1: Limitations of Actions
Fraud 4 years
Libel or Slander 3 years
Injury to Person 3 years
Injury to Personal Property 4 years
Trespass 4 years
Professional Malpractice Medical Malpractice: 3 years, Legal Malpractice: 4 years
Collection of Debt on Account 4 years
Contracts 6 years for written contracts

4 years for oral contracts

Judgments 14 years from the date of judgment
Other Actions Typically, if it’s not provided in these statutes, it’ll be a 4-year limit.
Child Sexual Abuse 3 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 Person 3 years
Libel/Slander 1-year N.Y.
Fraud 6 years N.Y.
Injury to Personal Property 3 years
Professional Malpractice 3 years; medical:
Trespass 3 years
Collection of Rents 6 years
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 20 years

 

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

 

Injury to Person 3 years
Libel/Slander 1 year
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice 2 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
Trespass 3 years
Collection of Rents 3 years
Contracts Written: 3 years

Oral: 3 years

Collection of Debt on Account
Judgments 10 years

 

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

 

Injury to Person 6 years
Libel/Slander 2 years
Fraud 6 years
Injury to Personal Property 6 years
Professional Malpractice 2 years; (Medical: max.6)
Trespass 6 years
Collection of Rents 6 years
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 10 years

 

The Statute of Limitations on Debt in Ohio is 8 Years

 

Injury to Person 2 years
Libel/Slander 1 year
Fraud 4 years
Injury to Personal Property 2 years
Professional Malpractice 1 year; Medical: 1 year to give notice which extends time 180 days after notice, max. 4 years
Trespass 4 years
Collection of Rents
Contracts Written: 8 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 21 years

 

The Statute of Limitations on Debt in Oklahoma is 5 Years

 

Injury to Person 2 years
Defamation (Libel/Slander) 1 years
Fraud 2 years
Injury to Personal Property 2 years
Professional Malpractice 2 years
Trespass 2 years
Collection of Rents 5 years
Contracts Written: 5 years

Oral: 3 years

Collection of Debt on Account 5 years
Judgments 3 years foreign judgment

 

The Statute of Limitations on Debt in Oregon is 6 Years

 

Injury to Person 2 years
Libel/Slander 2 years
Fraud 2 years from discovery
Injury to Personal Property 6 years
Professional Malpractice Medical: 2 years from act or reasonable discovery (max. 5 years)
Trespass 6 years
Collection of Rents 1 year
Contracts Written: 6 years

Oral: 6 years

Collection of Debt on Account 6 years
Judgments 10 years

 

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

Injury to Person 2 years
Libel/Slander 1 years
Fraud 2 years
Injury to Personal Property 2 years
Professional Malpractice 2 years
Trespass 2 years
Collection of Rents 21 years
Contracts 4 years for all debts
Collection of Debt on Account 2 years Tit. 42§5524
Judgments 4 years Tit. 42 §5525(5)

 

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

Injury to Person 3 years
Libel/Slander Slander:
Fraud 10 years
Injury to Personal Property 10 years
Professional Malpractice Medical, Legal, Veterinarian, Accounting, Insurance, or Real Estate: 3 years
Product Liability 3 years
Trespass
Collection of Rents
Contracts 10 years for written and oral contracts, and open-ended accounts
Collection of Debt on Account
Judgments 20 years
Wrongful Death 2 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 Person 3 years
Injury to Personal Property 3 years
Libel, Slander, or False Imprisonment 2 years
Fraud 3 years
Professional Malpractice For 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

Trespass 3 years
Contracts 3 years for all debt
Judgments 10 years
Sexual Abuse or Incest Civil Remedies 6 years after the person turns 21 years old or within 3 years of the time of discovery of the injury, whichever occurs later
Wrongful Death 3 years

 

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

 

Injury to Person 3 years
Libel and Slander 2 years
Fraud 6 years
Injury to Personal Property 6 years
Professional Malpractice Medical: 2 years

Legal: 3 years

CPA: 4 years

Trespass to Real Estate 6 years 15-2-13(3)
Collection of Rents
Contracts 6 years
Collection of Debt on Account
Court Judgments 20 years Domestic judgments

10 years Foreign judgments

 

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

 

Injury to Person 1 year
Libel/Slander Libel: 1 year

Slander: 6 mos.

Fraud Not specified
Injury to Personal Property 3 years
Professional Malpractice Legal: 1 year
Trespass 3 years
Collection of Rents 6 years
Contracts Written and oral: 6 years
Collection of Debt on Account 6 years
Judgments 10 years

 

The Statute of Limitations on Debt in Texas is 4 Years

Injury to Person 2 years Civ. Prac. & Rem.

5 years for sex crimes

Libel/Slander 1 year Civ. Prac. & Rem.
Fraud 4 years Civ. Prac. & Rem.
Injury to Personal Property 2 years Civ. Prac. & Rem.
Professional Malpractice
Trespass 2 years Civ. Prac. & Rem.
Collection of Rents
Contracts Written: 4 years (works alongside the

Texas Debt Collection Act)

Collection of Debt on Account 4 years Civ. Prac. & Rem.
Judgments

 

The Statute of Limitations on Debt in Utah is 6 Years

 

Code Sections Utah Code Title 78B: Judicial Code, Chapter 2: Statute of Limitations
Wrongful Death Cases 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 Person 4 years
Injury to Personal Property 3 years
Injury to Real Property or Trespass 3 years
Libel or Slander 1 year
Fraud 3 years
Medical Malpractice 2 years
Contracts Written: 4 years

Oral: 6 years

Collection of Rent For 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 Account Four years
Judgments Eight years

 

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

Injury to Person 3 years
Libel/Slander 3 years
Fraud 6 years
Injury to Personal Property 3 years
Professional Malpractice Medical: 3 years from incident or 2 from reasonable discovery (max. 7 years)
Trespass , 3 years, Tit. 12 Vt. Stat. § 512(5)
Collection of Rents
Contracts 3 years for Open End Accounts Including Credit Cards

6 years for Written & Oral Contracts

5 years Promissory Notes

Collection of Debt on Account 6 years
Judgments 10 years
Product Liability 3 years
False Imprisonment 3 years

 

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

 

Injury to Person 2 years
Libel/Slander 2 years
Fraud 2 years
Injury to Personal Property 5 years
Professional Malpractice Health care providers: 1 to 2 years; 10 max.
Trespass 5 years
Collection of Rents
Contracts Written: 5 years

Oral: 3 years

Collection of Debt on Account
Judgments 20 years

10 years to enforce a lien

 

The Statute of Limitations on Debt in Washington is 6 Years

 

Injury to Person 3 years
Libel/Slander 2 years
Fraud 3 years
Injury to Personal Property 3 years
Professional Malpractice Medical: 3 years of injury or 1 year upon discovery (max. 8 years)
Trespass 3 years
Collection of Rents 6 years
Contracts Written: 6 years

Oral: 3 years

Collection of Debt on Account 6 years
Judgments 10 years

 

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

 

Code Section West Virginia Code 55-2-101, et seq.: Limitation of Actions and Suits
Injury to Person 2 years
Libel/Slander 1 year
Fraud
Injury to Personal Property 2 years
Professional Malpractice 2 years
Trespass 2 years
Collection of Rents 5 years
Contracts Written: 10 years

Oral: 5 years

Collection of Debt on Account
Judgments 10 years Foreign judgment

 

The Statute of Limitations on Debt in Wisconsin is 6 Years

 

Injury to Person 3 years
Libel/Slander 2 years
Fraud 6 years
Injury to Personal Property 6 years
Professional Malpractice Medical: the later of 3 years from an incident or 1 year from discovery (max. 5 years)
Trespass 6 years
Collection of Rents 6 years
Contracts Written: 6 years
Collection of Debt on Account
Judgments 20 years; 6 years ct. not of record

 

The Statute of Limitations on Debt in Wyoming is 10 Years

Injury to Person 4 years
Libel/Slander 1 year
Fraud 4 years
Injury to Personal Property 4 years
Professional Malpractice
Trespass 4 years
Collection of Rents
Contracts Written: 10 years

Oral: 8 years

Collection of Debt on Account 5 years
Judgments 5 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)

Please Like and Share this Infographic on Social Media and You May Publish it on Your Webs

 

Facebooktwittergoogle_plusredditpinterestlinkedinmail
Leave a Reply

Get your free debt evaluation
We are open!
hours
minutes
seconds
left to call today

Disclaimer

The information contained in this website is for general information purposes only. The information is provided by Golden Financial Services (https://www.GoldenFS.org) and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website you are able to link to other websites which are not under the control of Golden Financial Services. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, Golden Financial Services takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

(CLOSE) ×
Get Our Latest Events and News