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Statute of Limitations by State

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

Alabama


3 years

Title 6 Chapter 2 Section 37


State law

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Alaska


3 years

9.10.053


State law

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Arizona


6 years

HB 2412


State law

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Arkansas


5 years

4-3-118

State law


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California


4 years

Code of Civil Procedure S.337


State law

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Colorado


6 years

Colorado Revised Statutes Title 13 S.80-103.5


State law

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Connecticut


6 years

Chapter 926 Sec. 52-576


State law

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Washington D.C.


3 years

12-301


State law

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Delaware


3 years

Title 10, Sec. 8106


State law

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Florida


5 years to 7 years

95.11


State law

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Georgia


6 years

9-3-24


State law

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Hawaii


6 years

657-1


State law

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Idaho


5 years

5-216


State law

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Illinois


5 years

Code of Civil Procedure 5/13-205


State law

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Indiana


6 years

Title 34 Art.11, 2-9


State law

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Iowa


5 years

 


State law

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Kansas


3 years

60-512


State law

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Kentucky


5 to 15 years

413.120 & 413.090


State law

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Louisiana


3 years



State law

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Maine


6 years

14-205-752


State law

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Maryland


3 years



State law

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Massachusetts


6 years



State law

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Statute of Limitations by State

Each state has its own limitations on how debt collection laws must be applied. There is difference between debts resulting from oral contract and those from written contracts.

This is not an accurate chart for Credit Reporting Time Limit.

Michigan


6 years



State law

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Minnesota


6years

Civil Procedure Ch.541.05


State law

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Mississippi


3 years



State law

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Missouri


5 years



State law

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Montana


8 years



State law

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Nebraska


4 years



State law

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Nevada


4 years



State law

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New Hampshire


3 years



State law

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New jersey


6 years



State law

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New Mexico


4 years



State law

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New York


6 years



State law

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North Carolina


3 years



State law

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North Dakota


6 years



State law

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Oklahoma


5 years



State law

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Oregon


6 years



State law

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Pennsylvania


4 years



State law

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Rhode island


10 years



State law

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South Carolina


3 years



State law

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South Dakota


6 years



State law

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Tennessee


6 years



State law

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Texas


4 years



State law

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Utah


6 years



State law

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Vermont


6 years



State law

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Virginia


3 years



State law

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Washington


6 years



State law

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West Virginia


10 years



State law

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Wisconsin


6 years



State law

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Wyoming


8 years



State law

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Commonwealth Puerto Rico


3 years for credit. Contract 15 years.



State law

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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 understanding 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.