When you’re researching your state’s statutes of limitations, it’s important to know your state’s rule.  The statute of limitation is the time window that a creditor has to sue debtors of non-payment of credit card bills.

  • Alabama – 3 years
  • Alaska – 3 years
  • Arizona – 3 years
  • Arkansas – 5 years
  • California – 4 years
  • Colorado – 6 years
  • Connecticut – 6 years
  • Delaware – 3 years
  • Florida – 5 years
  • Georgia – 4 years
  • Hawaii – 6 years
  • Idaho – 5 years
  • Illinois – 10 years
  • Indiana – 6 years
  • Iowa – 10 years
  • Kansas – 5 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 – 3 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 – 3 years
  • Virginia – 3 years
  • Washington – 6 years
  • West Virginia – 5 years
  • Wisconsin – 6 years
  • Wyoming – 8 years

It’s important to remember these numbers for your state, because once that time frame has passed, a creditor legally can’t sue you.  This is the reason why so many creditors will act fast and try to get the money from you right away.  If you’re starting to think that many creditors are going to simply forget about you, you couldn’t be further from the truth.  They will hunt you down, they will try to get your money, and there’s nothing that you can do about it.

If you’re looking to get more information on state statutes of limitations, I recommend checking out a few of these sites…