Statutes of Limitations for Credit Card Debt Collection by State

statutes of limitations for debt collection


This heat map shows the statutes of limitations by state for credit card debt. Once the specified numbers of years has lapsed, creditors cannot continue to attempt to collect the debt from you. Understand that you still owe the debt, and your creditors can continue to report it to credit bureaus, but they cannot attempt to collect.

Any contact with the creditor can restart this clock.