Statute of Limitations by State was last modified: May 25th, 2018 by Howard Iken

Statute of Limitations by State


A statute of limitations is a state law that defines when creditors can sue you for a debt, and when they cannot. The idea is that creditors are not allowed to “sit on their hands” for eternity. They must either enforce their rights, or give up their rights. Each state has applicable deadlines for creditors to file a lawsuit from the date they realize a debt is delinquent. Typically each state has separate statute of limitations for certain categories of debts:

  • Oral – where there is no written contract for the purchase / sale
  • Written – where there is a written contract
  • Promissory – any type of loan or promise to repay
  • Open Ended – revolving credit lines, such as an open account or a credit card account

This list is an initial guide. Laws constantly change and there are many technicalities to each law. Be sure to check the current law in your state and get an opinion from an attorney.


STATESTATUTE CITATIONSORALWRITTENPROMISSORYOPEN-ENDED ACCOUNTS
ALABAMAAla. Code § 6-2-2 et. seq.6663
ALASKAAlaska Stat. § 09.10.010 et. seq.6633
ARIZONAAriz. Rev. Stat. Ann. § 12-541 et. seq.3663
ARKANSASArk. Code Ann. § 16-56-101 et. seq.6633
CALIFORNIACal. Civ. Proc. Code § 312 et. seq.2444
COLORADOColo. Rev. Stat. § 13-80-102 et. seq.6666
CONNECTICUTConn. Gen. Stat. Ann. § 52-576 et. seq.3663
DELAWAREDel. Code Ann. tit. 10, § 8101 et. seq.3334
DISTRICT OF COLUMBIAD.C. Code § 12-301 et. seq.3333
FLORIDAFla. Stat. Ann. § 95.011 et. seq.4554
GEORGIAGa. Code Ann. § 9-3-20 et. seq.466**4
HAWAIIHaw. Rev. Stat. § 657-1 et. seq.6666
IDAHOIdaho Code § 5-201 et. seq.4554
ILLINOIS735 Ill. Comp. Stat. 5/13-201 et. seq.510105
INDIANAInd. Code Ann. § 34-11-2-1 et. seq.610106
IOWAIowa Code Ann. § 614.1 et. seq.51055
KANSASKan. Stat. Ann. § 60-501 et. seq.3653
KENTUCKYKy. Rev. Stat. Ann. § 413.080 et. seq.515155
LOUISIANALa. Civil Code § 3492 et. seq.1010103
MAINEMe. Rev. Stat. Ann. tit. 14, § 751 et. seq.6666
MARYLANDMd. Courts & Jud. Proc. Code Ann. § 5-101 et. seq.3363
MASSACHUSETTSMass. Ann. Laws ch. 260, § 1 et. seq.6666
MICHIGANMich. Comp. Laws § 600.5801 et. seq.6666
MINNESOTAMinn. Stat. Ann. § 541.01 et. seq.6666
MISSISSIPPIMiss. Code. Ann. § 15-1-1 et. seq.3333
MISSOURIMo. Rev. Stat. § 516.097 et. seq.510105
MONTANAMont. Code Ann. § 27-2-2021 et. seq.5885
NEBRASKANeb. Rev. Stat. § 25-201 et. seq.4554
NEVADANev. Rev. Stat. Ann. § 11.010 et. seq.4634
NEW HAMPSHIREN.H. Rev. Stat. Ann. § 508:1 et. seq.3363
NEW JERSEYN.J. Stat. Ann. § 2a:14-1 et. seq.6666
NEW MEXICON.M. Stat. Ann. § 37-1-1 et. seq.4664
NEW YORKN.Y. Civ. Prac. Laws & Rules § 201 et. seq.6666
NORTH CAROLINAN.C. Gen. Stat. § 1-46 et. seq.3353
NORTH DAKOTAN.D. Cent. Code § 28-01-01 et. seq.6666
OHIOOhio Rev. Code Ann. § 2305.03 et. seq.615156
OKLAHOMAOkla. Stat. Ann. tit. 12, § 93 et. seq.3553
OREGONOr. Rev. Stat. § 12.010 et. seq.6666
PENNSYLVANIA42 Pa. Cons. Stat. Ann. § 5501 et. seq.4444
RHODE ISLANDR. I. Gen. Laws § 9-1-12 et. seq.15151010
SOUTH CAROLINAS.C. Code Ann. § 15-3-510 et. seq.3333
SOUTH DAKOTAS.D. Codified Laws Ann. § 15-2-1 et. seq.3666
TENNESSEETenn. Code Ann. § 28-3-101 et. seq.6666
TEXASTex. Civ. Prac. & Rem. Code § 16.001 et. seq.4444
UTAHUtah Code Ann. § 78-12-22 et. seq.4646
VERMONTVt. Stat. Ann. tit. 12, § 506 et. seq.6653
VIRGINIAVa. Code Ann. § 8.01-228 et. seq.3563
WASHINGTONWash. Rev. Code Ann. § 4.16.005 et. seq.3663
WEST VIRGINIAW. Va. Code § 55-2-6 et. seq.10522
WISCONSINWis. Stat. Ann. § 893.01 et. seq.51065
WYOMINGWyo. Stat. § 1-3-102 et. seq.810108

My previous attorney was doing a very poor job of representing me to collect unpaid child support (severe lack of communication, 1 invoice over 2 years, some paperwork not filed, frequent change of support personnel, etc.). Jim took over on short notice (a few months before court date) and quickly got up to speed. He knew what was fair and legal: I was owed child support and the ex admitted it in his own writing, but simply chose to stop paying. He resolved to settle for nothing less. Because the previous attorney failed to file the financial disclosure with the court, and there was no proof of assets to liquefy; all the GM could do was reinstate wage garnishment as previously ordered. Jim did a fine job of showing the debtor did nothing to fulfill his responsibilities by asking direct questions of him in front of the GM.

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