Statute Of Limitations For Debt

Is a creditor trying to come after yo for a past debt? Check out the statute of limitations in your state to see if they have the right. (Note: These limits were accurate as of the creation of this article, 2/12/2018)

Statute Of Limitations (In Years). Credit cards are considered open ended accounts. Georgia sets the limit at 6 years for credit cards.

 State  Written Contracts  Oral Contracts  Promissory Notes  Open Ended Accounts
Alaska 6 6 3 3
Arizona 5 3 6 3
Arkansas 5 3 3 3
California 4 2 4 4
Colorado 6 6 6 6
Connecticut 6 3 6 3
Delaware 3 3 3 4
D.C. 3 3 3 3
Florida 5 4 5 4
Georgia 6 4 6 4 or 6
Hawaii 6 6 6 6
Idaho 5 4 5 5
Illinois 10 5 10 5
Indiana 10 6 10 6
Iowa 10 5 5 5
Kansas 5 3 5 3
Kentucky 10 5 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 10 5 10 5
Montana 8 5 8 5
Nebraska 5 4 5 4
Nevada 6 4 3 4
New Hampshire 3 3 6 3
New Jersey 6 6 6 6
New Mexico 6 4 6 4
New York 6 6 6 6
North Carolina 3 3 5 3
North Dakota 6 6 6 6
Ohio 6 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 6 6 6 6
Tennessee 6 6 6 6
Texas 4 4 4 4
Utah 6 4 6 4
Vermont 6 6 5 3
Virginia 5 3 6 3
Washington 6 3 6 3
West Virginia 10 5 6 5
Wisconsin 6 6 10 6
Wyoming 10 8 10 8

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