This is a very important question to ask if you are over your head in unsecured credit card debt. And the answer can mean the difference of having to pay it back or being able to walk away from it altogether.
The statute of limitations for credit card debt can vary from state to state and can depend on several factors, including the type of contract and the specific circumstances. It’s important to note that these limitations can change, so it’s crucial to consult with an attorney or legal expert and refer to the most up-to-date state laws to get the exact information.
As of September 2021, the statute of limitations for credit card debt in each state are as follows:
- Alabama: 3 years
- Alaska: 3 years
- Arizona: 6 years
- Arkansas: 5 years
- California: 4 years
- Colorado: 6 years
- Connecticut: 6 years
- Delaware: 3 years
- District of Columbia: 3 years
- Florida: 5 years
- Georgia: 6 years
- Hawaii: 6 years
- Idaho: 5 years
- Illinois: 5 years
- Indiana: 6 years
- Iowa: 5 years
- Kansas: 3 years
- Kentucky: 5 years
- Louisiana: 3 years
- Maine: 6 years
- Maryland: 3 years
- Massachusetts: 6 years
- Michigan: 6 years
- Minnesota: 6 years
- Mississippi: 3 years
- Missouri: 5 years
- Montana: 8 years
- Nebraska: 4 years
- Nevada: 4 years
- New Hampshire: 3 years
- New Jersey: 6 years
- New Mexico: 4 years
- New York: 6 years
- North Carolina: 3 years
- North Dakota: 6 years
- Ohio: 6 years
- Oklahoma: 5 years
- Oregon: 6 years
- Pennsylvania: 4 years
- Rhode Island: 10 years
- South Carolina: 3 years
- South Dakota: 6 years
- Tennessee: 6 years
- Texas: 4 years
- Utah: 4 years
- Vermont: 6 years
- Virginia: 3 years
- Washington: 6 years
- West Virginia: 10 years
- Wisconsin: 6 years
- Wyoming: 8 years
Please be aware that these statutes of limitations are subject to change, and this information may no longer be accurate.
