Latest Posts
Home > Debt Articles > Statute of Limitations and Time-Barred Debts: State Information

Statute of Limitations and Time-Barred Debts: State Information

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. This is often referred to as debts that are beyond the statute of limitations. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office at www.naag.org to determine when a debt is considered time-barred in your state.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt.

Below you will find information about time limits on collecting debts. The information is just a guide. For specific information or to check if the information is still accurate, please contact an attorney licensed in your state.

Alabama Statutes of Limitations and Time-Barred Debts

  • Contracts under seal: 10 years, (A.C. 6-2-33)
  • Contracts not under seal; actions on account stated and for detention of personal property or conversion: 6 years (A.C. 6-2-34)
  • Sale of goods under the UCC: 4 years (A.C. 7 -2- 725)
  • Open accounts: 3 years (A.C. 6-2-37)
  • Actions to recover charges by a common carrier and negligence actions; 2 years, (A.C. 6-2-38)
  • Actions based on fraud: 2 years (A.C. 6-2-3)

Alaska Statutes of Limitations and Time-Barred Debts

  • Action on a sealed instrument: 10 years (A.S. 09.10.40)
  • Action to recover real property: 10 years (A.S. 09.10.30)
  • Action upon written contract: 3 years (A.S. 09.10.55) Note: prior to 8/7/97 -the statute of limitations for written contracts was six years.
  • Action upon contract for sale: 4 years (A.S. 45.02.725) However, limitations by agreements may be reduced, but not less than one year (A.S. 45.02.725).

Arizona Statutes of Limitation and Time-Barred Debts

  • Written contracts: 6 years, runs from date creditor could have sued account.
  • Oral debts, stated or opens accounts: 3 years.
  • Actions for fraud or mistake: 3 years from the date of the discovery of the fraud or mistake.
  • Actions involving fiduciary bonds, out of state instruments and foreign judgments: 4 years. NOTE: Arizona applies its own statute of limitations to foreign judgments rather than that of the state that originally rendered the judgment whether the judgment is being domesticated under the Uniform Enforcement of Foreign Judgments Act or pursuant to a separate action on the foreign judgment.
  • An Arizona judgment must be renewed within five years of the date of the judgment.

Arkansas Statutes of Limitations and Time-Barred Debts

  • Written contracts: 5 years, NOTE: Partial payment or written acknowledgement of default stoppeds this statute of limitations. (A.C.A. 16-56-111)
  • Contracts not in writing: 3 years, (A.C.A. 16- 56-105)
  • Breach of any contract for the sale of goods covered by the UCC: 4 years, (A.C.A. 4-2- 725)
  • Medical debts: 2 years from date services were performed or provided or from the date of the most recent partial payment for the services, whichever is later. (A.C.A. §16-56-106)
  • Negligence actions: 3 years after the cause of action. (A.C.A. § 16-56-105)

California Statutes of Limitation and Time-Barred Debts

  • Written agreements: 4 years, calculated from the date of breach.
  • Oral agreements: 2 years.
  • The statute of limitation is stopped only if the debtor makes a payment on the account after the expiration of the applicable limitations period.

Colorado Statutes of Limitation and Time-Barred Debts

  • Domestic and foreign judgments: 6 years and renewable each six years. Note: If for child support, maintenance or arrears the judgment (lien) stays in effect for the life the judgment without the necessity of renewal every six years.
  • All contract actions, including personal contracts and actions under the UCC: 3 years (C.R.S. 13-80-101), except as otherwise provided in 13-80-103.5; All claims under the Uniform Consumer Credit Code, except sections 5-5-201(5); All actions to recover, detain or convert goods or chattels, except as otherwise provided in section 13 -80-103.5.
  • Liquidated debt and unliquidated determinable amount of money due; Enforcement of instrument securing the payment of or evidencing any debt; Action to recover the possession of secured personal property; Arrears of rent: 6 years, (C.R.S. 13-80-103.5)

Connecticut Statutes of Limitation and Time-Barred Debts

  • Written contact, or on a simple or implied contract: 6 years, (CGS 52-576)
  • Oral contract, including any agreement wherein the party being charged has not signed a note or memorandum: 3 years, (CGS § 52- 581)

Delaware Statutes of Limitation and Time-Barred Debts

  • General contracts: 3 years;
  • Sales under the UCC: 4 years
  • Notes 6 years;

District of Columbia Statutes of Limitation and Time-Barred Debts

  • Contract, open account or credit card account: 3 years from the date of last payment or last charge. NOTE: An oral promise to pay re-starts the three years.
  • Contracts under seal: 12 years.
  • UCC Sales of Goods: 4 years.

Florida Statutes of Limitation and Time-Barred Debts

  • Contract or written instrument and for mortgage foreclosure: 5 years. F.S. 95.11.
  • Libel, slander, or unpaid wages: 2 years.
  • Judgments: 20 years total and to be a lien on any real property, it has to be re-recorded for a second time at 10 years.
  • The limitations period begins from the date the last element of the cause of action occurred, (95.051). NOTE: The limitation period is tolled (stopped) for any period during which the debtor is absent from the state and each time a voluntary payment is made on a debt arising from a written instrument.
  • Almost all other actions fall under the 4-year catch-all limitations period, (F.S. 95.11(3)(p)).

Georgia Statutes of Limitation and Time-Barred Debts

  • Breach of any contract for sale: 4 years, (OCGA 11-2- 725) NOTE: Parties may reduce limitation to not less than one year, but not extend it. A cause of action accrues when the breach occurs, regardless of the aggrieved party’s lack of knowledge of the breach.
  • Contract, including breach of warranty or indemnity: 4 years, (OCGA 11- 22A-506) NOTE: The parties may reduce the period to one year.
  • Written contract: 6 years from when it becomes due and payable and the six (6) year period runs from the date of last payment. (OCGA 9-3-24)
  • Open account; implied promise or undertaking: 4 years, (OCGA 9-3-25). NOTE: Payment, unaccompanied by a writing acknowledging the debt, does not stopped the statute. Therefore, the statutory period runs from the date of default, not the date of last payment.
  • Bonds or other instruments under seal, 20 years, (OCGA 9-3-23) NOTE: No instrument is considered under seal unless it’s stated in the body of the instrument.

Hawaii Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under the UCC: 4 years.
  • Contract, obligation or liability: 6 years.
  • Judgments: 10 years, renewable if an extension is sought during the 10 years.
  • NOTE: The time limitation stopped during the time of a person’s absence from the state or during the time that an action is stayed by injunction of any court.

Idaho Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under the UCC: 4 years.
  • Written contract or liability: 5 years.
  • Contract or liability that is not written: 4 years. NOTE: The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. A written acknowledgement or new promise signed by the debtor is sufficient evidence to cause the relevant statute of limitations to begin running anew. Any payment of principal or interest is equivalent to a new promise in writing to pay the residue of the debt.
  • Judgments: 5 years but may be renewed for another five-year period. NOTE: An independent action on a judgment of any court of the United States must be brought within 6 years.
  • The time limitation for the commencement of any action is tolled during the time of a person’s absence from the state or during the time that an action is stayed by injunction or by statutory prohibition action.

Illinois Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under the UCC: 4 years.
  • Open account or unwritten contract: 5 years. NOTE: Except, as provided in 810 ILCS 5/2- 725 (UCC), actions based on a written contract must be filed within 10 years, but if a payment or new written promise to pay is in made during the 10 year period, then the action may be commenced within 10 years after the date of the payment or promise to pay.
  • Domestic judgments: 20 years, but can be renewed during that 20-year period.
  • Foreign judgments are the same time as allowed by the laws of the foreign jurisdiction.
  • Tolling: A person’s absence from the state or during the time that an action is stayed by injunction, court order or by statutory prohibition tolls the time limit.
  • Non Sufficient Funds (NSF or Payment of Negotiable Instruments) checks: 3 years of the dishonor of the draft or 10 years after the date of the draft, whichever expired first: 810 ILCS 5/3-118

Indiana Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under UCC: 4 years.
  • Unwritten accounts or contracts and promissory notes or written contracts for payment of money executed after August 31, 1982: 6 years.
  • Written contracts unrelated to the payment of money: 10 years.
  • Written acknowledgement or new promise signed by the debtor, or any voluntary payment on a debt, is sufficient evidence to cause the relevant statute of limitations to begin running anew.
  • Judgments: 10 years unless renewed.

Iowa Statutes of Limitation and Time-Barred Debts

  • Open account: 5 years from last charge, payment, or admission of debt in writing. Unwritten contracts: 5 years from breach.
  • Written contracts: 10 years from breach.
  • Demand note: 10 years from date of note.
  • Judgments: 20 years. However, an action brought on a judgment after nine years but not more than ten years can be brought to renew the judgment.
  • NOTE: Deficiency judgments on most residential foreclosures, and judgments on mortgage notes become essentially worthless two years from date of judgment.

Kansas Statutes of Limitation and Time-Barred Debts

  • Written agreement, contract or promise: 5 years.
  • Expressed or implied but not written contracts, obligations or liabilities: 3 years.
  • Relief on the grounds of fraud: 2 years.

Kentucky Statutes of Limitation and Time-Barred Debts

  • Recovery of real property: 15 years (KRS 413.0 10).
  • Judgment, contract or bond: 15 years (KRS 413.110).
  • Breach of sales contract: 4 years (KRS 355.2- 725).
  • Contract not in writing: 5 years (KRS413.120). NOTE: Action for liability created by statute when no there is no time fixed by statute: 5 years (KRS413.120).
  • Action on check, draft or bill of exchange: 5 years (KRS 413.120).
  • Action for fraud or mistake: 5 years (KRS 413.120).
  • Actions not provided for by statute: 10 years (KRS 413.160).

Louisiana Statutes of Limitation and Time-Barred Debts

  • Contracts: 10 years.
  • Open accounts: 3 years.
  • Lawsuits, which are filed but not pursued, become null three years after the last action taken.
  • Judgment: 10 years, and if not renewed within the ten years become a nullity.

Maine Statutes of Limitation and Time-Barred Debts

  • Generally all civil actions must be commenced within 6 years after the cause of action accrues. (14 M.R.S.A. 752)
  • The primary exception is for liabilities under seal, promissory notes signed in the presence of an attesting witness, or on the bills, notes or other evidences of debt issued by a bank, in which case, the limitation is twenty (20) years after the cause of action accrues. (14 M.R.S.A. 751)
  • Judgments are presumed paid after twenty (20) years. (14 M.R.S.A. 864)

Maryland Statutes of Limitation and Time-Barred Debts

  • Civil action: 3 years from the date it accrues, unless:
  • Breach of contract under any sale of goods and services under the UCC: 4 years after the cause of action, even if the aggrieved party is unaware of the breach.
  • Promissory notes or instruments under seal, bonds, judgments, recognizance, contracts under seal, or other specialties: 12 years.
  • Financing statement: 12 years, unless a continuation statement is filed by a secured party six (6) months prior to end of twelve (12) year period. (Maryland, Commercial Law article Sec. 2-725; Courts & Judicial Proceedings Article Sec. 5-101-02, 9-403).
  • NOTE: The 3 year statute of limitations begins again if creditors can document that a debtor has reaffirmed a debt by a good faith basis by a written agreement, orally, or by payment.

Massachusetts Statutes of Limitation and Time-Barred Debts

  • Debt instruments issued by banks, Contract under seal: 20 years.
  • Judgments: 20 Years.
  • Oral or Written Contracts: 6 Years.
  • Consumer Protection Actions: 4 Years.
  • Recovery of Property: 3 Years.
  • Probate Claims: 1 Year from date of death.
  • Claims on mortgage notes following foreclosure or on claims junior to a foreclosed mortgage: 2 Years.
  • This comment was added by a reader: “Your information regarding liens in Massachusetts is extremely misleading. A judgment lien must be re-recorded in the land records every six years in order to remain effective as against the real estate. Although the “judgment” is good for 20 years, if the creditor fails to re-record it in the land records after the first 6 years the debtor can sell their real property free and clear of the lien and the creditor is out of luck. A mortgage doesn’t expire for 35 years if it was not released of record.”

Michigan Statutes of Limitation and Time-Barred Debts

  • Breach of Contract: 6 years, (MCL 600.5807(8).
  • Breach of Contract for Sale of goods under the UCC: 4 years: including deficiency actions following repossession and sale of goods subject to a security interest, (MCL 440.2725(1).
  • Judgments: 10 years, but are renewable by action for another 10 years, MCL.600.5809(3).
  • NOTE: Another state’s limitation period may apply check statutes carefully.

Minnesota Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under the UCC: 4 years, (MSA 336.2.).
  • NOTE: Except where the Uniform Commercial Code otherwise prescribes, actions based on a contract or other obligation, express or implied, must be brought within 6 years after the cause of action occurred (Chapter 541).
  • Tolling: New written acknowledgement or payment tolls the statute of limitations for the debt.
  • Judgments: 10 years.

Mississippi Statutes of Limitation and Time-Barred Debts

  • Contracts and Promissory Notes: 3 years (MCA 75-3-118, 75-2-725, and 15-1-49).
  • Open Accounts: 3 years from the date at which time the items on the account became due and payable,(MCA 15-1-29 & MCA 15-1-31).
  • Judgment liens on real estate: 7 years, but can be renewed by filing suit to renew judgment prior to expiration of 7th year, (MCA 15-1-47).
  • Deficiency claims: 1 year from sale of collateral, (MCA 15-1-23)
  • Enforcement of construction liens: 1 year from date lien is filed, (MCA 85- 7-141)

Missouri Statutes of Limitation and Time-Barred Debts

  • Written agreement that contemplates the payment of money or property: 10 Years, (Mo.Rev. Stat. §5l6.ll 0). NOTE: Under certain circumstances, the contractual statute of limitations may be reduced to five years.
  • Open accounts: 5 years, (Mo. Rev. Stat. §5l6.l20).
  • Sale of goods under the UCC: 4 years. NOTE: The statute begins to run from the date when the breach occurred for contracts and from the time of the last item in the account on the debtor’s side for actions on accounts.

Montana Statutes of Limitations and Time-Barred Debts

  • Written contract, obligation or liability: 8 years.
  • Contract, account or promise that is not based on a written instrument: 5 years.
  • Montana obligation on to provide a certain level of support for a spouse, child or indigent parent: 2 years.
  • Obligation or liability, other than a contract, account or promise not based on a written instrument: 3 years.
  • Relief on the grounds of fraud or mistake: 2 years.
  • NOTE: A written acknowledgement signed by the debtor or any payment on a debt is sufficient evidence to cause the relevant statute of limitations to begin running anew.
  • Judgment or decree of any U.S. court: 10 years. NOTE: Judgments rendered in a court not of record: 6 years.

Nebraska Statutes of Limitation and Time-Barred Debts

  • Real estate or foreclosure mortgage actions; product liability; 10 years.
  • Foreign judgments, contract or promise in writing, express or implied: 5 Years.
  • Unwritten contract, express or implied; Recovery of personal property; Relief on grounds of fraud; breach of contract for sale of goods; and open account: 4 years.
  • Liability created by federal statute with no other limitation: 3 years. Malpractice: 2 Years.
  • NOTE: SoL can be interrupted by partial payment or written acknowledgement of debt. The statute starts to run anew from the date of the partial payment or written acknowledgement, (Neb. Rev. Stat. §25-216)
  • NOTE: Actions on breach of contract for sale may be reduced to not less than one year.

Nevada Statutes of Limitation and Time-Barred Debts

  • Written contract: 6 years.
  • Verbal contract: 4 years.
  • Property damage: 3 years.
  • Personal injury: 2 years.

New Hampshire Statutes of Limitation and Time-Barred Debts

  • Contracts and open accounts: 3 years, (RSA 508:4).
  • Contracts for the sale of goods under UCC: 4 years, (RSA 382-A: 2- 725).
  • Notes, defined as negotiable instruments: 6 years (RSA 382-A: 3-118)
  • Judgments, recognizance, and contracts under seal: 20 years (RSA 508:5)
  • Notes secured by a mortgage: 20 years and applies even if the mortgage has been foreclosed, (RSA 508:6).
  • Tolling: Payment on an account tolls the statute.
  • NOTE: Installment loans allow for separate measurement of the statutory period as each separate payment comes due, unless the loan has been accelerated.

New Jersey Statutes of Limitation and Time-Barred Debts

  • Conversion of an instrument for money: 3 years, (N.J.S.A.12A: 3-118(g)).
  • Sale of goods under the UCC: 4-years, (N.J.S.A. 12A; 2-725).
  • Real or personal property damage, recovery and contracts not under seal: 6 years (N.J.S.A. 2A: 14-1).
  • Demand Notes when no demand is made: 10 years. If demand made: 6 years from date of demand, (12A: 3-118(b)).
  • Obligations under seal for the payment of money only, except bank, merchant, finance company or other financial institution: 16 years, (N.J.S.A. 2A: 14-4) actions for unpaid rent if lease agreement is under seal, (N.J.S.A. 2A: 14-4).
  • Real estate: 20 years, (N.J.S.A. 2A: 14-7); Judgments: 20 years, renewable, (2A: 14-5); Foreign judgments: 20 years (unless period in originating jurisdiction is less), (2A: 14- 5).
  • Unaccepted drafts: 3 years from date of dishonor or 10 years from date of draft, whichever expires first, (12A: 3- 118(c)).

New Mexico Statutes of Limitation and Time-Barred Debts

  • Contract in writing: 6 years (except any contract for the sale of personal property is 4 years or the last payment, whichever is later).
  • All other creditor-debtor transactions are 4 years after accrual of the right to sue.
  • NOTE 1: An action accrues on the first date on which the creditor can sue for a breach or for relief, generally from the last purchase or the last payment.
  • NOTE 2: If the limitations period has expired, an acknowledgment or payment starts the period running again.
  • Judgments: 14 years.

New York Statutes of Limitation and Time-Barred Debts

  • N. Y. Civil Practice Law and Rules: Chapter Eight of the Consolidated Laws, Article 2 – Limitations of Time:
  • 211. Actions to be commenced within twenty years. (a) On a bond. (b) On a money judgment. (c) By state for real property. (d) By grantee of state for real property. (e) For support, alimony or maintenance.
  • 212. Actions to be commenced within ten years. (a) Possession necessary to recover real property. (b) Annulment of letters patent. (c) To redeem from a mortgage.
  • 213. Actions to be commenced within six years: where not otherwise provided for; on contract; on sealed instrument; on bond or note, and mortgage upon real property; by state based on misappropriation of public property; based on mistake; by corporation against director, officer or stockholder; based on fraud.
  • 213-a. Actions to be commenced within four years; residential rent overcharge.
  • 213-b. Action by a victim of a criminal offense.
  • 214. Actions to be commenced within three years: for non- payment of money collected on execution; for penalty created by statute; to recover chattel; for injury to property; for personal injury; for malpractice other than medical or dental malpractice; to annul a marriage on the ground of fraud.
  • UCC, Section 2–725. Statute of Limitations in Contracts for Sale. (1) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it. (2) A cause of action accrues when the breach occurs, regardless of the aggrieved party`s lack of knowledge of the breach. Contract for lease of goods: 4 years (N. Y. U.C.C. 2-A-506(1).
  • S 203. Method of computing periods of limitation generally. (a) Accrual of cause of action and interposition of claim. The time within which an action must be commenced, except as otherwise expressly prescribed, shall be computed from the time the cause of action accrued to the time the claim is interposed.

North Carolina Statute of Limitation and Time-Barred Debts

  • Express or implied contract, not under seal: 3 years.
  • Contract and sale of personal property under seal: 10 years.
  • Open account: 3 years, NOTE: Each payment renews the SoL on all items purchased within the 3 years prior that payment. If no payment is made, the SoL runs from date of each individual charge. Contracts: From date of breach or default, unless waived or performance under the contract is continued.
  • Judgments: 10 years
  • Partial payment BEFORE the statute of limitations expires renews the statute of limitations from date of payment.
  • Payment AFTER statute of limitations expires renews statute of limitations ONLY if, at time of payment, circumstances infer the debtor recognized obligation to pay. Partial payment on open account restarts SoL on purchases made within 3 years of payment date, if acknowledgment can be inferred, starts the statute anew as to the full obligation acknowledged, even if all of the charges were not made within the last three years.
  • Partial payment by one debtor does not renew the statute of limitations as against any a co-debtor unless that co-debtor agreed to, authorized or ratified the partial payment.
  • Partial payments DO NOT affect the ten-year limitation on enforcing or renewing judgments.
  • Bankruptcy, Death or Disability: Filing of a bankruptcy tolls the statute of limitations for the enforcement of contracts and judgments.
  • The death, minority, disability or incompetence of a debtor also tolls the limitation period until such time as a personal representative of the estate or a guardian of the incompetent or minor is appointed.

North Dakota Statutes of Limitation and Time-Barred Debts

  • Breach of contract for sale under the UCC: 4 years.
  • All other actions based on a contract, obligation or liability, express or implied: 6 years.
  • NOTE: A new written acknowledgement or promise or voluntary payment on a debt revives the statute of limitations for the debt.
  • Judgments: 10 years.

Ohio Statutes of Limitation and Time-Barred Debts

  • Written or oral account: 6 years, (O.R.C. §2305.07).
  • Written contract: 15 years, (O.R.C. §2305.06).
  • Oral contract: 6 years (O.R.C. §2305.07).
  • Note payable at a definite time: 6 years, (O.R.C. § 1303 .16(A)); (2)).
  • Demand note: 6 years after the date on which demand is made or 10 years if no demand is made and neither principal nor interest has been paid over that time (O.R.C. §1303.16(B)).
  • Dishonored check or draft: 3 years after dishonor, (O.R.C. §1303.16 (C)).

Oklahoma Statutes of Limitation and Time-Barred Debts

  • Written Contract: 5 Years, (O.S. § 95(1)).
  • Oral Contract: 3 Years, (O.S. § 95(2))
  • Attachments: 5 Years, (O.S. § 95(5))
  • Domestic Judgment: 5 Years, (O.S. § 95(5))
  • Foreign Judgment: 3 Years, (O.S. § 95(2)

Oregon Statutes of Limitation and Time-Barred Debts

  • Unlawful trade practices: 1 year, (ORS 646.638(5).
  • NOTE: There is no statute of limitations for a cause of action brought as a counterclaim to an action by the seller. (ORS 646.638(6)).
  • Contract or liability: 6 years, (ORS 12.080)
  • Judgment: 10 years, (ORS 12.070).

Pennsylvania Statute of Limitations and Time-Barred Debts

  • Contracts: 4 years, (used to be six).
  • Contracts under seal: 20 years.
  • Sale of goods under UCC: 4 years.
  • Negotiable instruments: 6 years (13 PA C.S.A. .§3118).

Rhode Island Statutes of Limitation and Time-Barred Debts

  • Contracts and open accounts: 10 years (9-1-13(a)).
  • Breach of a sales agreement under the UCC: 4 years, (6A-2- 725(1 )).
  • Contracts or liabilities under seal and judgments: 20 years, (9-1-17).
  • Hospital liens: 1 year from payment, (9-3-6).
  • Against insurer to enforce repairer’s lien: 1 year from payment to insured, (9-3-11).
  • Support obligations of common law father: 6 years, (15-8-4).
  • Mechanic’s lien: notice given is one year and one hundred twenty days, (34-28-10. 10).

South Carolina Statutes of Limitation and Time-Barred Debts

  • Breach of Contract: 3 years, (SCCLA 15-3-530).
  • NOTE: A partial payment or acknowledgment in writing tolls the SoL, (SCCLA 15-3-30).
  • Foreign or Domestic Judgments: 10 years, (SCCLA 15-3-600).

South Dakota Statutes of Limitation and Time-Barred Debts

  • Contract: 6 years, (SDCL 15-2-13).
  • Domestic Judgments: 20 Years, (SDCL 15-2-6).
  • Foreign Judgments: 10 Years, (SDCL 15-2-8).
  • Claims of Fraud: 6 Years, (SDCL 15-2-13).
  • Sealed Instrument: (except real estate): 20 Years, (SDCL 15-2-6).
  • Actions not otherwise provided for: 10 Years, (SDCL 15-2-8).
  • Open Accounts: 6 Years, (SDCL 15-2-13).
  • Sale of Goods: 4 Years, (SDCL57A-2-725).

Tennessee Statute of Limitation and Time-Barred Debts

  • Breach of contract: 6 years, (T. C.A. 28-3-109).
  • Open accounts: 6 Years, (T. C.A. 28-3-109).
  • Domestic or foreign judgments: 10 years, (T .C.A. 28-3-110).

Texas Statutes of Limitation and Time-Barred Debts

  • The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, (Section 16.004 (a) (3)).

Utah Statutes of Limitation and Time-Barred Debts

  • Any signed, written contract, obligation or liability: 6 years.
  • Unwritten contract, obligation or liability: 4 years.
  • Open account for goods, wares, merchandise, and services rendered or for the price of any article charged on a store account: 4 years.
  • NOTE: A written acknowledgement signed by the debtor revives the SoL.
  • Judgment or decree of any court or State of the United States: 8 years.

Virginia Statutes of Limitation and Time-Barred Debts

  • Open account: 3 years from the last payment or last charge for goods or services rendered on the account.
  • Written contracts (non-UCC): 5 years.
  • Sale of goods under the UCC: 4 years.
  • Virginia Judgments: 10 years, and renewable (extended) to 20 years.
  • Foreign judgments: 10 years.

Vermont Statutes of Limitation and Time-Barred Debts

  • Contracts and goods on account: 6 years.
  • Witnessed promissory notes: 14 years

Washington Statutes of Limitation and Time-Barred Debts

  • Written contracts and accounts receivable: 6 years, (RCW 4.16.040).
  • Oral contract: 3 years (RCW 4.16.080).
  • Recovery of property and judgments: 10 years, (RCW 4.16.020).

West Virginia Statutes of Limitation and Time-Barred Debts

  • Unwritten and implied contracts: 5 years, (W. Va. Code 55-2-6 (1923)).
  • NOTE: If a debtor makes an acknowledgment by a new promise, or voluntarily makes a partial payment on a debt, under circumstances that warrant a clear inference that the debtor recognizes the whole debt, the statute of limitations is revived and begins to run from the date of the new promise, (W. Va. Code §55 -2-8 )
  • Breach of a sale of goods, lease of goods, negotiable instruments and secured transactions under the UCC, is found Article 46 of the West Virginia Code.

Wisconsin Statutes of Limitation and Time-Barred Debts

  • Contracts, professional services, or an open account based on a contract: 6 years.
  • NOTE: Payments made toward the obligation toll the statute and the time period will then run from the date of last payment or last charge by the debtor, whichever occurs later.

Wyoming Statutes of Limitation and Time-Barred Debts

  • Any contract, agreement or promise in writing: 10 years, (WS 1-3-105(a)(i)).
  • Unwritten contract, express or implied: 8 years, (WS 1-3-105(a)(ii)).
  • Recovery of personal property: 4 years, (WS 1-3-1 05 (a) (iv)).
  • Dishonor of draft (check): 3 years, (WS 34.1-3-118( c)).
  • Judgment: 21 years.
  • NOTE 1: Judgments cannot be revived after twenty-one years unless the party entitled to bring the action was a minor or subject to any other legal disability at the time the judgment became dormant, in this case action may be brought within 15 years after disability ceases, (WS 1-16-503).
  • NOTE 2: If no execution is issued within 5 years from date of judgment or last execution is issued, the judgment becomes dormant and ceases to operate as a lien on the estate of the debtor, (WS 1-17-307).
  • NOTE 3: A dormant judgment may be revived in the same manner as prescribed for reviving actions before judgment or by action, (WS 1-16-502).
Statute of Limitations and Time-Barred Debts: State Information by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Sarah

    Are there any time limitations for a dentist office to come back and say you owe more money when you already paid your bill in full? I got a call from the accounting dept of the dentist I go to and they say that I owe more money on a bill that I paid almost a year and a half ago. Their explanation…. “the lady who was doing the accounting at that time made some mistakes, which have now been corrected by a new person, so pay up.” When I asked what services the “mistake” was made on, her response was…. “Oh, the mistakes were made over a period of time on different services that were rendered at the time for you and your husband between Sept and Dec of 2011.” At this point, even if I dig up the receipts, bank statements etc of what I paid at that time, according to them it doesn’t matter because mistakes were made then, which I have to turn around and pay now.

  • http://www.facebook.com/people/Jim-Zinc/100001945725871 Jim Zinc

    Not all of us are name warren buffet and can afford these obscene medical bills

  • Bonnie Pingler

    Help for the hopeless is available at
    http://www.ewtn.com/devotionals/novena/jude.htm

  • estate planning miami

    i agree with tax deed states. when you are in debt that means somone owns you

  • http://dorotlaw.com estate planning miami

    i agree with tax deed states. when you are in debt that means somone owns you

  • Koolahmed1

    “hi i like it very much this is very nice n informative……..

  • Koolahmed1

    “hi i like it very much this is very nice n informative……..

  • Tahir926

    forex investment links and information to earn igh profit http://forextrend.info/

  • Tax Deed States

    Debts must be paid in order to avoid trouble.

  • http://www.taxsalessecrets.com/taxdeedstates.html Tax Deed States

    Debts must be paid in order to avoid trouble.

  • http://thirtysomethingfinance.wordpress.com Thirtysomething Finance

    This is a very helpful post!
    .-= Thirtysomething Finance´s last blog ..PAYDAY! =-.

  • rachel

    the collection agency in oregon has a 17 year old judgement . They told me that there was a no statue of limitaion because it is a munciple bill. I have googled and not found anything on that?can you explain?

  • HeavyD

    Where you are talking about Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. You mentioned…….but it does not include creditors collecting their own debts.

    Do creditors not have a limit on the number of years they can try and collect debts? Are they not subject to statute of limitations.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.