Debt Lawsuit Statute of Limitations
A Debt Lawsuit Statute of Limitation is the length of time someone can bring a legal suit against you. Below is a state-by-state list of Statue of Limitations.
Statute of Limitation for unpaid Credit Card bills: If you fall behind in your credit card payments, the card issuer can sue you for payment. The start date for the statute of limitations is the date of your last payment. For example, if your last payment was on January 10, 2003, and the statute of limitation in your state for credit card debt is seven years, your card issuer has until January 10, 2010, to sue you to recover the unpaid debt.
Please note: That some states consider credit card agreements to be an oral contract, other states consider it a written contract, and some states have specific laws pertaining to credit card lawsuits. If you have unpaid credit card debt and are concerned about your legal rights, a lawyer can brief you on the specific laws and Debt Lawsuit Statute of Limitation rules for your state.
Debt Lawsuit Statute of Limitations
| STATE | STATUTE CITATIONS | ORAL | WRITTEN | PROMISSORY | OPEN-ENDED ACCOUNTS | | ALABAMA | Ala. Code – 6-2-2 et. seq. | 6 | 6 | 6 | 3 | | ALASKA | Alaska Stat. – 09.10.010 et. seq. | 6 | 6 | 3 | 3 | | ARIZONA | Ariz. Rev. Stat. Ann. – 12-541 et. seq. | 3 | 6 | 6 | 3 | | ARKANSAS | Ark. Code Ann. – 16-56-101 et. seq. | 6 | 6 | 3 | 3 | | CALIFORNIA | Cal. Civ. Proc. Code – 312 et. seq. | 2 | 4 | 4 | 4 | | COLORADO | Colo. Rev. Stat. – 13-80-102 et. seq. | 6 | 6 | 6 | 6 | | CONNECTICUT | Conn. Gen. Stat. Ann. – 52-576 et. seq. | 3 | 6 | 6 | 3 | | DELAWARE | Del. Code Ann. tit. 10, – 8101 et. seq. | 3 | 3 | 3 | 4 | | DISTRICT OF COLUMBIA | D.C. Code – 12-301 et. seq. | 3 | 3 | 3 | 3 | | FLORIDA | Fla. Stat. Ann. – 95.011 et. seq. | 4 | 5 | 5 | 4 | | GEORGIA | Ga. Code Ann. – 9-3-20 et. seq. | 4 | 6 | 6** | 4 | | HAWAII | Haw. Rev. Stat. – 657-1 et. seq. | 6 | 6 | 6 | 6 | | IDAHO | Idaho Code – 5-201 et. seq. | 4 | 5 | 5 | 4 | | ILLINOIS | 735 Ill. Comp. Stat. 5/13-201 et. seq. | 5 | 10 | 10 | 5 | | INDIANA | Ind. Code Ann. – 34-11-2-1 et. seq. | 6 | 10 | 10 | 6 | | IOWA | Iowa Code Ann. – 614.1 et. seq. | 5 | 10 | 5 | 5 | | KANSAS | Kan. Stat. Ann. – 60-501 et. seq. | 3 | 6 | 5 | 3 | | KENTUCKY | Ky. Rev. Stat. Ann. – 413.080 et. seq. | 5 | 15 | 15 | 5 | | LOUISIANA | La. Civil Code – 3492 et. seq. | 10 | 10 | 10 | 3 | | MAINE | Me. Rev. Stat. Ann. tit. 14, – 751 et. seq. | 6 | 6 | 6 | 6 | | MARYLAND | Md. Courts & Jud. Proc. Code Ann. – 5-101 et. seq. | 3 | 3 | 6 | 3 | | MASSACHUSETTS | Mass. Ann. Laws ch. 260, – 1 et. seq. | 6 | 6 | 6 | 6 | | MICHIGAN | Mich. Comp. Laws – 600.5801 et. seq. | 6 | 6 | 6 | 6 | | MINNESOTA | Minn. Stat. Ann. – 541.01 et. seq. | 6 | 6 | 6 | 6 | | MISSISSIPPI | Miss. Code. Ann. – 15-1-1 et. seq. | 3 | 3 | 3 | 3 | | MISSOURI | Mo. Rev. Stat. – 516.097 et. seq. | 5 | 10 | 10 | 5 | | MONTANA | Mont. Code Ann. – 27-2-2021 et. seq. | 5 | 8 | 8 | 5 | | NEBRASKA | Neb. Rev. Stat. – 25-201 et. seq. | 4 | 5 | 5 | 4 | | NEVADA | Nev. Rev. Stat. Ann. – 11.010 et. seq. | 4 | 6 | 3 | 4 | | NEW HAMPSHIRE | N.H. Rev. Stat. Ann. – 508:1 et. seq. | 3 | 3 | 6 | 3 | | NEW JERSEY | N.J. Stat. Ann. – 2a:14-1 et. seq. | 6 | 6 | 6 | 6 | | NEW MEXICO | N.M. Stat. Ann. – 37-1-1 et. seq. | 4 | 6 | 6 | 4 | | NEW YORK | N.Y. Civ. Prac. Laws & Rules – 201 et. seq. | 6 | 6 | 6 | 6 | | NORTH CAROLINA | N.C. Gen. Stat. – 1-46 et. seq. | 3 | 3 | 5 | 3 | | NORTH DAKOTA | N.D. Cent. Code – 28-01-01 et. seq. | 6 | 6 | 6 | 6 | | OHIO | Ohio Rev. Code Ann. – 2305.03 et. seq. | 6 | 15 | 15 | 6 | | OKLAHOMA | Okla. Stat. Ann. tit. 12, – 93 et. seq. | 3 | 5 | 5 | 3 | | OREGON | Or. Rev. Stat. – 12.010 et. seq. | 6 | 6 | 6 | 6 | | PENNSYLVANIA | 42 Pa. Cons. Stat. Ann. – 5501 et. seq. | 4 | 4 | 4 | 4 | | RHODE ISLAND | R. I. Gen. Laws – 9-1-12 et. seq. | 15 | 15 | 10 | 10 | | SOUTH CAROLINA | S.C. Code Ann. – 15-3-510 et. seq. | 3 | 3 | 3 | 3 | | SOUTH DAKOTA | S.D. Codified Laws Ann. – 15-2-1 et. seq. | 3 | 6 | 6 | 6 | | TENNESSEE | Tenn. Code Ann. – 28-3-101 et. seq. | 6 | 6 | 6 | 6 | | TEXAS | Tex. Civ. Prac. & Rem. Code – 16.001 et. seq. | 4 | 4 | 4 | 4 | | UTAH | Utah Code Ann. – 78-12-22 et. seq. | 4 | 6 | 4 | 6 | | VERMONT | Vt. Stat. Ann. tit. 12, – 506 et. seq. | 6 | 6 | 5 | 3 | | VIRGINIA | Va. Code Ann. – 8.01-228 et. seq. | 3 | 5 | 6 | 3 | | WASHINGTON | Wash. Rev. Code Ann. – 4.16.005 et. seq. | 3 | 6 | 6 | 3 | | WEST VIRGINIA | W. Va. Code – 55-2-6 et. seq. | 10 | 5 | 2 | 2 | | WISCONSIN | Wis. Stat. Ann. – 893.01 et. seq. | 5 | 10 | 6 | 5 | | WYOMING | Wyo. Stat. – 1-3-102 et. seq. | 8 | 10 | 10 | 8 | |
Georgia Court of Appeals came out with a decision on January 24, 2008, in Hill v. American Express that in Georgia the statute of limitations on a credit card is six years after the amount becomes due and payable.
