Statute of Limitations
- Defining Beginning Date and Extenders
Unsecured
Credit Card Debt without Seal
State
|
Statute
(open/written)
|
Beginning Date Determiner
(starts the clock)
|
Extenders
(re-starts the clock)
|
|
Alabama |
3/6 |
Date
of Last Payment if bankruptcy filed |
Date of dismissal |
|
Colorado |
6/6 |
Date of Last Payment |
 |
Payment |
|
|
If the debtor was
out of state or unable to be
found |
|
|
Connecticut |
6/6 |
Date of Default or Date of Last
Payment |
|
|
A New Note
|
|
|
Payment
|
|
|
Delaware |
3/3 |
Date of Last Charge or Payment,
Written Acknowledgement |
Same
|
|
Georgia |
4/6 |
Date
of Default or Written Acknowledgement |
|
|
Payment |
|
|
Bankruptcy (if dismissed, can
file suit within 30 days) |
|
|
Indiana |
6/10 |
Date of Last Payment
|
|
|
Payment |
|
|
Filing Bankruptcy (if bankruptcy
is later dismissed and the
statute has run, you have 30
days from the dismissal date to
extend the statute.) |
|
|
Maryland |
3/3 |
Date of Last Payment, Written
Acknowledgement |
Same
|
|
Michigan |
6/6 |
Date of Last Payment
|
Payment
|
|
Minnesota |
6/6 |
Date of Last Payment
|
Payment
|
|
Missouri |
5/10 |
Date of Last Payment or Written
Acknowledgment, but only applies to
the one writing it if there are two
co-debtors |
Same
|
|
New Jersey |
6/6 |
Date of Last Payment or Date of
Default, whichever is later
|
| |
If the borrower leaves the state
to avoid service of process |
|
|
New York |
6/6 |
Date of Last Payment or Date of
Default, whichever is later
|
| |
If the borrower leaves the state
to avoid service of process |
|
|
Ohio |
6/15 |
Date of Default or Missed Obligation
under agreement.
This is extended by payment at which
time a new full statute begins to
run |
|
|
Payment.
|
|
|
The debtor leaves the state, the statute is tolled until
the debtor returns. (This is rarely used for obvious
reasons per Charles Natkins.)
|
|
|
Oklahoma |
3/5 |
Date of Default or Date of Last
Payment, whichever is later |
|
|
Payment
|
|
|
The debtor signs a written statement acknowledging the
debt (even when a debtor states that he cannot or will
not pay).
|
|
|
Pennsylvania
|
4/4 |
Date of Last Payment
|
Payment
|
|
Tennessee |
6/6 |
Date of Purchase or date of contract |
Payment
|
|
Virginia |
3/5 |
Date of Last Payment or Last Charge
of Goods or services
|
| |
Only by written acknowledgement
from which a promise of payment
may be implied. |
|
|
Washington, DC |
3/3 |
Date of Last Payment, Written
Acknowledgement |
Same
|
|
Wisconsin |
6/6 |
Date of Default as defined in the
account regulations, extended by the
date of the last payment (6 years)
|
Payment
|
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This communication is from a debt
collector.
|
