Credit Card Debt Statute Of Limitation - What you should know

Each state has a statute of limitations on old credit card debts. The statute of limitations refers to the period after which, creditors cannot sue you to collect the debt. The length of time is calculated from your last payment date or last activity date (when you last used the card). The following chart reflects the current statute of limitations for each state.

State

Oral Contracts

Written Contracts

Promissory Notes

Open-ended Accounts

AL

6

6

6

3

AR

5

5

5

3

AK

6

6

3

3

AZ

3

6

6

3

CA

2

4

4

4

CO

6

6

6

3

CT

3

6

6

6

DE

3

3

3

4

DC

3

3

3

3

FL

4

5

5

4

GA

4

6

6

4

HI

6

6

6

6

IA

5

10

5

5

ID

4

5

5

4

IL

5

10

10

5

IN

6

10

10

6

KS

3

5

5

3

KY

5

15

15

5

LA

10

10

10

3

ME

6

6

6

6

MD

3

3

6

3

MA

6

6

6

6

MI

6

6

6

6

MN

6

6

6

6

MS

3

3

3

3

MO

5

10

10

5

MT

3

8

8

5

NC

3

3

5

4

ND

6

6

6

6

NE

4

5

5

4

NH

3

3

6

3

NJ

6

6

6

6

NM

4

6

6

4

NV

4

6

3

4

NY

6

6

6

6

OH

6

15

15

6

OK

3

5

5

3

OR

6

6

6

6

PA

4

6

4

6

RI

10

10

6

4

SC

3

3

3

3

SD

6

6

6

6

TN

6

4

6

6

TX

4

4

4

4

UT

4

6

6

4

VA

3

6

6

3

VT

6

6

5

4

WA

3

6

6

3

WI

6

6

10

6

WV

5

15

6

4

WY

8

10

10

8

Note: Due to the transient nature of state legislature, please verify the statute of limitations period with your State Attorney’s office.

      

DISCUSSION FORUM