Credit Card Debt Statute of Limitations by State
June 16, 2013 by CreditFirm.net
Filed under Blogs, Credit Cards
by: Michael Creditfirm.
A statute of limitations is a type of federal or state law that restricts the time within which legal proceedings may be brought.
It exists to limit the amount of time creditors and debt collectors have to file law suits over unpaid debt.
CreditFirm.net has compiled this table which lists the statutes of limitations of credit card debt for each state.
State |
Statute of Limitations |
| Alabama | 3 Years |
| Alaska | 3 Years |
| Arizona | 6 Years |
| Arkansas | 5 Years |
| California | 4 Years |
| Colorado | 6 Years |
| Connecticut | 6 Years |
| Delaware | 3 Years |
| District of Columbia | 3 Years |
| Florida | 5 Years |
| Georgia | 6 Years |
| Hawaii | 6 Years |
| Idaho | 5 Years |
| Illinois | 5 Years |
| Indiana | 6 Years |
| Iowa | 10 Years |
| Kansas | 3 Years |
| Kentucky | 15 Years |
| Louisiana | 3 Years |
| Maine | 6 Years |
| Maryland | 3 Years |
| Massachusetts | 6 Years |
| Michigan | 6 Years |
| Minnesota | 6 Years |
| Mississippi | 3 Years |
| Missouri | 5 Years |
| Montana | 8 Years |
| Nebraska | 4 Years |
| Nevada | 4 Years |
| New Hampshire | 3 Years |
| New Jersey | 6 Years |
| New Mexico | 4 Years |
| New York | 6 Years |
| North Carolina | 3 Years |
| North Dakota | 6 Years |
| Ohio | 6 Years |
| Oklahoma | 5 Years |
| Oregon | 6 Years |
| Pennsylvania | 4 Years |
| Rhode Island | 10 Years |
| South Carolina | 3 Years |
| South Dakota | 6 Years |
| Tennessee | 6 Years |
| Texas | 4 Years |
| Utah | 4 Years |
| Vermont | 6 Years |
| Virginia | 3 Years |
| Washington | 6 Years |
| West Virginia | 10 Years |
| Wisconsin | 6 Years |
| Wyoming | 8 Years |
Note: This table shows the statute of limitations on written or open-ended contracts to which credit card agreements comply. State laws are subject to change. This table is current as of June 13, 2013.
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