Statute of Limitations on Debt by State

Map

Table

Introduction

Statutes of limitations are laws that limit the amount of time after which a lawsuit can be filed. In the United States a government agency is required by Congress, under federal regulations, to create its own statute of limitations.

These statutes can govern various areas of law, from contracts (written and oral) to personal injury. Once the years set by the law have tolled, one cannot start a lawsuit for that injury. 

Debts, because they are caused by a breach of a written contract, are governed by the statute of limitations for written contracts. In the U.S., statutes of limitations for written contracts vary from state to state, with the longest being ten years, the shortest being three years.

Learn for yourself how statutes of limitations differ by state by exploring the data in the charts.

#StateStatute of Limitations PeriodWritten Contracts Prescriptive Period
1Illinois1010
2Indiana1010
3Iowa1010
4Kentucky1010
5Louisiana1010
6Rhode Island1010
7West Virginia1010
8Wyoming1010
9Montana88
10Alabama66
11Arizona66
12Colorado63
13Connecticut66
14Georgia66
15Hawaii66
16Maine66
17Massachusetts66
18Michigan66
19Minnesota66
20Nevada66
21New Jersey66
22New Mexico66
23New York66
24North Dakota66
25Ohio66
26Oregon66
27South Dakota66
28Tennessee66
29Utah66
30Vermont66
31Washington66
32Wisconsin66
33Arkansas55
34Florida55
35Idaho55
36Kansas55
37Missouri510
38Nebraska55
39Oklahoma55
40Virginia55
41California44
42Pennsylvania44
43Texas44
44Alaska33
45Delaware33
46District of Columbia33
47Maryland33
48Mississippi33
49New Hampshire33
50North Carolina33
51South Carolina33

Statute of Limitations Period by State

Alabama

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6

Ranked in the US

#10

Statute of Limitations Period

Written Contracts Prescriptive Period

Alaska

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3

Ranked in the US

#44

Statute of Limitations Period

Written Contracts Prescriptive Period

Arizona

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6

Ranked in the US

#11

Statute of Limitations Period

Written Contracts Prescriptive Period

Arkansas

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5

Ranked in the US

#33

Statute of Limitations Period

Written Contracts Prescriptive Period

California

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4

Ranked in the US

#41

Statute of Limitations Period

Written Contracts Prescriptive Period

Colorado

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6

Ranked in the US

#12

Statute of Limitations Period

Written Contracts Prescriptive Period

Connecticut

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6

Ranked in the US

#13

Statute of Limitations Period

Written Contracts Prescriptive Period

Delaware

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3

Ranked in the US

#45

Statute of Limitations Period

Written Contracts Prescriptive Period

District of Columbia

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3

Ranked in the US

#46

Statute of Limitations Period

Written Contracts Prescriptive Period

Florida

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5

Ranked in the US

#34

Statute of Limitations Period

Written Contracts Prescriptive Period

Georgia

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6

Ranked in the US

#14

Statute of Limitations Period

Written Contracts Prescriptive Period

Hawaii

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6

Ranked in the US

#15

Statute of Limitations Period

Written Contracts Prescriptive Period

Idaho

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5

Ranked in the US

#35

Statute of Limitations Period

Written Contracts Prescriptive Period

Illinois

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10

Ranked in the US

#1

Statute of Limitations Period

Written Contracts Prescriptive Period

Indiana

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10

Ranked in the US

#2

Statute of Limitations Period

Written Contracts Prescriptive Period

Iowa

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10

Ranked in the US

#3

Statute of Limitations Period

Written Contracts Prescriptive Period

Kansas

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5

Ranked in the US

#36

Statute of Limitations Period

Written Contracts Prescriptive Period

Kentucky

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10

Ranked in the US

#4

Statute of Limitations Period

Written Contracts Prescriptive Period

Louisiana

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10

Ranked in the US

#5

Statute of Limitations Period

Written Contracts Prescriptive Period

Maine

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6

Ranked in the US

#16

Statute of Limitations Period

Written Contracts Prescriptive Period

Maryland

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3

Ranked in the US

#47

Statute of Limitations Period

Written Contracts Prescriptive Period

Massachusetts

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6

Ranked in the US

#17

Statute of Limitations Period

Written Contracts Prescriptive Period

Michigan

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6

Ranked in the US

#18

Statute of Limitations Period

Written Contracts Prescriptive Period

Minnesota

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6

Ranked in the US

#19

Statute of Limitations Period

Written Contracts Prescriptive Period

Mississippi

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3

Ranked in the US

#48

Statute of Limitations Period

Written Contracts Prescriptive Period

Missouri

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5

Ranked in the US

#37

Statute of Limitations Period

Written Contracts Prescriptive Period

Montana

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8

Ranked in the US

#9

Statute of Limitations Period

Written Contracts Prescriptive Period

Nebraska

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5

Ranked in the US

#38

Statute of Limitations Period

Written Contracts Prescriptive Period

Nevada

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6

Ranked in the US

#20

Statute of Limitations Period

Written Contracts Prescriptive Period

New Hampshire

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3

Ranked in the US

#49

Statute of Limitations Period

Written Contracts Prescriptive Period

New Jersey

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6

Ranked in the US

#21

Statute of Limitations Period

Written Contracts Prescriptive Period

New Mexico

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6

Ranked in the US

#22

Statute of Limitations Period

Written Contracts Prescriptive Period

New York

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6

Ranked in the US

#23

Statute of Limitations Period

Written Contracts Prescriptive Period

North Carolina

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3

Ranked in the US

#50

Statute of Limitations Period

Written Contracts Prescriptive Period

North Dakota

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6

Ranked in the US

#24

Statute of Limitations Period

Written Contracts Prescriptive Period

Ohio

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6

Ranked in the US

#25

Statute of Limitations Period

Written Contracts Prescriptive Period

Oklahoma

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5

Ranked in the US

#39

Statute of Limitations Period

Written Contracts Prescriptive Period

Oregon

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6

Ranked in the US

#26

Statute of Limitations Period

Written Contracts Prescriptive Period

Pennsylvania

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4

Ranked in the US

#42

Statute of Limitations Period

Written Contracts Prescriptive Period

Rhode Island

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10

Ranked in the US

#6

Statute of Limitations Period

Written Contracts Prescriptive Period

South Carolina

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3

Ranked in the US

#51

Statute of Limitations Period

Written Contracts Prescriptive Period

South Dakota

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6

Ranked in the US

#27

Statute of Limitations Period

Written Contracts Prescriptive Period

Tennessee

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6

Ranked in the US

#28

Statute of Limitations Period

Written Contracts Prescriptive Period

Texas

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4

Ranked in the US

#43

Statute of Limitations Period

Written Contracts Prescriptive Period

Utah

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6

Ranked in the US

#29

Statute of Limitations Period

Written Contracts Prescriptive Period

Vermont

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6

Ranked in the US

#30

Statute of Limitations Period

Written Contracts Prescriptive Period

Virginia

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5

Ranked in the US

#40

Statute of Limitations Period

Written Contracts Prescriptive Period

Washington

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6

Ranked in the US

#31

Statute of Limitations Period

Written Contracts Prescriptive Period

West Virginia

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10

Ranked in the US

#7

Statute of Limitations Period

Written Contracts Prescriptive Period

Wisconsin

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6

Ranked in the US

#32

Statute of Limitations Period

Written Contracts Prescriptive Period

Wyoming

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10

Ranked in the US

#8

Statute of Limitations Period

Written Contracts Prescriptive Period

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