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Credit Card Debt Statute of Limitations by State

June 16, 2013 by  
Filed under Blogs, Credit Cards

by: .
Statute of limitations for credit card debt

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. 


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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