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Statute of Limitations and Time-Barred Debts: State Information

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“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

Alaska Statutes of Limitations and Time-Barred Debts

Arizona Statutes of Limitation and Time-Barred Debts

Arkansas Statutes of Limitations and Time-Barred Debts

California Statutes of Limitation and Time-Barred Debts

Colorado Statutes of Limitation and Time-Barred Debts

Connecticut Statutes of Limitation and Time-Barred Debts

Delaware Statutes of Limitation and Time-Barred Debts

District of Columbia Statutes of Limitation and Time-Barred Debts

Florida Statutes of Limitation and Time-Barred Debts

Georgia Statutes of Limitation and Time-Barred Debts

Hawaii Statutes of Limitation and Time-Barred Debts

Idaho Statutes of Limitation and Time-Barred Debts

Illinois Statutes of Limitation and Time-Barred Debts

Indiana Statutes of Limitation and Time-Barred Debts

Iowa Statutes of Limitation and Time-Barred Debts

Kansas Statutes of Limitation and Time-Barred Debts

Kentucky Statutes of Limitation and Time-Barred Debts

Louisiana Statutes of Limitation and Time-Barred Debts

Maine Statutes of Limitation and Time-Barred Debts

Maryland Statutes of Limitation and Time-Barred Debts

Massachusetts Statutes of Limitation and Time-Barred Debts

Michigan Statutes of Limitation and Time-Barred Debts

Minnesota Statutes of Limitation and Time-Barred Debts

Mississippi Statutes of Limitation and Time-Barred Debts

Missouri Statutes of Limitation and Time-Barred Debts

Montana Statutes of Limitations and Time-Barred Debts

Nebraska Statutes of Limitation and Time-Barred Debts

Nevada Statutes of Limitation and Time-Barred Debts

New Hampshire Statutes of Limitation and Time-Barred Debts

New Jersey Statutes of Limitation and Time-Barred Debts

New Mexico Statutes of Limitation and Time-Barred Debts

New York Statutes of Limitation and Time-Barred Debts

North Carolina Statute of Limitation and Time-Barred Debts

North Dakota Statutes of Limitation and Time-Barred Debts

Ohio Statutes of Limitation and Time-Barred Debts

Oklahoma Statutes of Limitation and Time-Barred Debts

Oregon Statutes of Limitation and Time-Barred Debts

Pennsylvania Statute of Limitations and Time-Barred Debts

Rhode Island Statutes of Limitation and Time-Barred Debts

South Carolina Statutes of Limitation and Time-Barred Debts

South Dakota Statutes of Limitation and Time-Barred Debts

Tennessee Statute of Limitation and Time-Barred Debts

Texas Statutes of Limitation and Time-Barred Debts

Utah Statutes of Limitation and Time-Barred Debts

Virginia Statutes of Limitation and Time-Barred Debts

Vermont Statutes of Limitation and Time-Barred Debts

Washington Statutes of Limitation and Time-Barred Debts

West Virginia Statutes of Limitation and Time-Barred Debts

Wisconsin Statutes of Limitation and Time-Barred Debts

Wyoming Statutes of Limitation and Time-Barred Debts