Statute of Limitations on Written Contracts and
Promissory Notes for all states.
Every state has laws governing the time in which a
creditor can file suit to collect a debt. Generally, a creditor or debt
collector gives up his right to file suit to collect a debt after a period of
six years from the time the debt was written off (or the date of last activity
on your credit report), but various states allow anywhere from 2 to 15 years to
collect delinquent debt. Here are some of the various states statutes of
limitation, however, you should confirm the type of debt you have and the
applicable statute....
|
State |
Written Contracts |
Promissory Notes |
|
Alabama |
6 |
6 |
|
Alaska |
6 |
6 |
|
Arizona |
6 |
5 |
|
Arkansas |
5 |
6 |
|
California |
4 |
4 |
|
Colorado |
6 |
6 |
|
Connecticut |
6 |
6 |
|
Delaware |
3 |
6 |
|
Washington, DC |
3 |
3 |
|
Florida |
5 |
5 |
|
Georgia |
6 |
6 |
|
Hawaii |
6 |
6 |
|
Idaho |
5 |
10 |
|
Illinois |
10 |
6 |
|
Indiana |
10 |
10 |
|
Iowa |
10 |
5 |
|
Kansas |
5 |
5 |
|
Kentucky |
15 |
15 |
|
Louisiana |
10 |
10 |
|
Maine |
6 |
6 |
|
Maryland |
3 |
6 |
|
Massachusetts |
6 |
6 |
|
Michigan |
6 |
6 |
|
Minnesota |
6 |
6 |
|
Mississippi |
3 |
3 |
|
Missouri |
10 |
10 |
|
Montana |
8 |
8 |
|
Nebraska |
5 |
6 |
|
Nevada |
6 |
3 |
|
New Hampshire |
3 |
6 |
|
New Jersey |
6 |
6 |
|
New Mexico |
6 |
6 |
|
New York |
6 |
6 |
|
North Carolina |
3 |
5 |
|
North Dakota |
6 |
6 |
|
Ohio |
15 |
15 |
|
Oklahoma |
5 |
5 |
|
Oregon |
6 |
6 |
|
Pennsylvania |
4 |
4 |
|
Rhode Island |
15 |
10 |
|
South Carolina |
10 |
3 |
|
South Dakota |
6 |
6 |
|
Tennessee |
6 |
6 |
|
Texas |
4 |
4 |
|
Utah |
6 |
6 |
|
Vermont |
6 |
5 |
|
Virginia |
5 |
6 |
|
Washington |
6 |
6 |
|
West Virginia |
10 |
6 |
|
Wisconsin |
6 |
10 |
|
Wyoming |
10 |
10 |
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Debt
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- Anderson Nelms & Associates, L.L.C.
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