Suze Orman, Financial Guru
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State-by-state Statute of Limitations

A 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 Limititations.

Statute of Limititation 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 for your state.

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.

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