Statute of Limitations on Debts and Debt Collection Laws by State

Debt Collection Laws - by StateDebt Collection Laws. The chart below provides information for each state regarding the statute of limitations for debt collection. This information is useful if you are using our sample collection letters to attempt commercial debt recovery on your own.  If you need assistance with a business debt collection and commercial debt recovery please review information by State below and feel free to contact us by phone or place an account today.

Statute of Limitations on Debts (Years)

StateOral AgreementWritten ContractPromissory NoteOpen Ended AccountDomestic JudgementForeign Judgement
Alabama66632020
Alaska66331010
Arizona366354
Arkansas55531010
California24441010
Colorado666320 Dist, 6 County20 Dist, 6 County
Connecticut366620/25, 10/15 SCC20
Delaware3334
Florida4554
Georgia4664, 6
Hawaii6666
Idaho4554
Illinois510105, 10
Indiana66, 10, 4106
Iowa51055
Kansas3553
Kentucky515155
Louisiana1010103
Maine6666
Maryland3363
Massachusetts6666
Michigan6666
Minnesota6666
Mississippi3333
Missouri510105
Montana3885
Nebraska4554
Nevada4634
New Hampshire3363
New Jersey6666
New Mexico4664
New York6666
North Carolina3354
North Dakota6666
Ohio68156
Oklahoma3553
Oregon6666
Pennsylvania4446
Rhode Island101064
South Carolina3333
South Dakota6666
Tennessee6466
Texas4464
Utah4664
Vermont6654
Virginia3563
Washington3663
West Virginia51064
Wisconsin66106
Wyoming810108
District of Columbia3333

If you are looking for Bad Check Laws by State click here.

Disclaimer: The debt collection information provided above (about debt collection laws) is for quick reference only, may not be 100% accurate or up to date with state laws for collecting debts, and is not intended to replace competent and thorough legal advice for collecting debts on any particular situation. We make no express or implied warranty concerning any data contained on this page, and we assume no liability for its use.