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For example, Massachusetts, Connecticut, Maine, and Vermont have six-year statute of limitations for credit card debt, while neighboring New Hampshire’s is just three years. Here is a chart showing the statute of limitations for all 50 states, plus Washington, D.C.
The statute of limitations on debt collection varies by state. Here’s a breakdown of how long it lasts in each of the 50 states.
It may vary by state, but generally the statute of limitations begins when a credit card account becomes delinquent — the date of the last payment. However, in some states the clock begins to tick six months after the last payment.
Wondering how long a debt collector has to collect your unpaid debt? Or when you can stop worrying about a potential ding to your credit score? It might feel like there are no clear answers because the statute of limitations on debt by state can be a bit complicated. But we’re here to help.
You can find your state’s statute of limitations for debt in the table below. Keep in mind, however, that there are caveats to the time frames laid out in the table below.
Below is a list of the statutes of limitations for each of the 50 states as of late 2017. Included are the statutes for open accounts (credit cards), oral contracts, written contracts, promissory notes and judgments.
In some states, the time can be as long as ten years. In California, the statute of limitations for debt collections is four years. The statute of limitations for debt collection functions the same as in a court case. In litigation, a plaintiff loses the right to file an insurance claim or lawsuit as soon as time expires.
Open-ended credit includes any type of revolving credit account, such as credit cards. Below is a look at the statute of limitations on collection by state, broken down by debt type.
Each state has its own statutes of limitations on debt, which vary depending on the type of debt. Learn more about how long debt collectors have to sue you for debt.
In California, the statute of limitations for credit card debt is four years. But you need to be careful so you don't accidentally extend it.