Statute of Limitations by State

Each state has its own statute of limitations on debt - the amount of time the court will force you to pay a debt. The statute of limitations varies depending on the type of debt you have - credit card or loan - and is usually between three and six years, but is as high as 10 or 15 years in some states. Before you respond to a debt collection lawsuit find out the debt statute of limitations for your state so you can raise it as a defense if applicable.

Find Your State and its  statute of limitations on debt.



STATUTE OF LIMITS PER STATE: CURRENT AS OF 1/1/14

STATEORALWRITTENPROMISSORYOPEN
ALABAMA6663
ALASKA6633
ARIZONA3663
ARKANSAS6633
CALIFORNIA2444
COLORADO6666
CONNECTICUT3663
DELAWARE3334
FLORIDA4554
GEORGIA4664
HAWAII6666
IDAHO4554
ILLINOIS510105
INDIANA610106
IOWA51055
KANSAS3653
KENTUCKY515155
LOUISIANA1010103
MAINE6666
MARYLAND3363
MASSACHUSETTS6666
MICHIGAN 6666
MINNESOTA6666
MISSISSIPPI3333
MISSOURI510105
MONTANA5885
NEBRASKA4554
NEVADA4634
NEW HAMPSHIRE3363
NEW JERSEY6666
NEW MEXICO4664
NEW YORK 6666
NORTH CAROLINA3353
NORTH DAKOTA6666
OHIO615156
OKLAHOMA3553
OREGON6666
PENNSYLVANIA4444
RHODE ISLAND15151010
SOUTH CAROLINA3333
SOUTH DAKOTA3666
TENNESSEE6666
TEXAS4444
UTAH4664
VERMONT6653
VIRGINIA3563
WASHINGTON3663
WEST VIRGINIA51065
WISCONSIN66106
WYOMING81010