3 years Title 6 Chapter 2 Section 37
3 years 9.10.053
6 years HB 2412
5 years 4-3-118
4 years Code of Civil Procedure S.337
6 years Colorado Revised Statutes Title 13 S.80-103.5
6 years Chapter 926 Sec. 52-576
3 years 12-301
3 years Title 10, Sec. 8106
5 years to 7 years 95.11
6 years 9-3-24
6 years 657-1
5 years 5-216
5 years Code of Civil Procedure 5/13-205
6 years Title 34 Art.11, 2-9
5 years
3 years 60-512
5 to 15 years 413.120 & 413.090
3 years
6 years 14-205-752
3 years
6 years
6 years Civil Procedure Ch.541.05
3 years
5 years
8 years
4 years
4 years
3 years
6 years
4 years
6 years
3 years
6 years for credit. Some written contracts 15 years.
5 years
6 years
6 years
10 years
4 years
3 years
6 years
6 years
4 years
6 years
3 years
6 years
6 years
5 years
8 years
3 years for credit. Contract 15 years.
10 years
Here is a simple listing of the statute of limitations for credit card debt collection by state. For more information kindly review the state law of your choice. This is not an accurate chart for Credit Reporting Time Limit. This information is here for consumers who may believe their information is "time-barred" or over the legal time allowable by law for collectors to collect on unpaid debts. For more information on understanding "time-barred" debts, please follow the link below to the Federal Trade Commission. https://www.consumer.ftc.gov/articles/0117-time-barred-debts
https://www.consumer.ftc.gov/articles/0117-time-barred-debts
One thing is State Statute of Limitations another thing is Credit Reporting Time Limit. This is usually why even when an old debt falls off a report (say in California where the law stipulates 4 years) it can still be collected upon by an agency. The key to understanding credit debt is to understand the time limits attached to each one.
Another thing to consider is the state of contract, or where the bank is incorporated. The bank (a company) is chartered in a state, understanding that home states statute of limitations for debt/collections is also important. Follow the link above to the Federal trade commission and read up on a more concise explanation of what "Time-Barred" accounts are.
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