Statute of Limitations Per State

Below is a list of states with the amount of time that a creditor has to collect an unpaid; legitimate, debt. The statute of limitations goes according to either date of last payment or the date the account was opened – whichever is the most recent. Nothing more. Creditors and the credit reporting agencies often times try to extend the date by going according to the charge off date. This not not legal. 

Written contracts are actual contacts that you have such as car notes, mortgages etc. 
Revolving accounts are your credit cards, gas card. Accounts that you can continue to charge on monthly. 

StateStatuteWritten contractRevolving / Open Ended Accounts
AlabamaAla. Code § 6-2-2 et seq. *6 years6 years
AlaskaAlaska Stat. § 09.10.010 et seq.3 years3 years
ArizonaAriz. Rev. Stat. Ann. § 12-541 et seq.6 years3 years
ArkansasArk. Code Ann. § 16-56-101 et seq.5 years3 years
CaliforniaCal. Civ. Proc. Code § 312 et seq.4 years2 years
ColoradoColo. Rev. Stat. § 13-80-102 et seq.6 years6 years
ConnecticutConn. Gen. Stat. Ann. § 52-575 et seq.6 years3 years
DelawareDel. Code Ann. tit. 10, § 8101 et seq.3 years3 years
District of ColumbiaD.C. Code § 12-301 et seq.3 years3 years
FloridaFla. Stat. Ann. § 95.011 et seq.5 years4 years
GeorgiaGa. Code Ann. § 9-3-20 et seq.6 years4 years
HawaiiHaw. Rev. Stat. § 657-1 et seq.6 years6 years
IdahoIdaho Code § 5-201 et seq.5 years4 years
Illinois735 Ill. Comp. Stat. 5/13-201 et seq.10 years5 years
IndianaInd. Code Ann. § 34-11-2-1 et seq.10 years6 years
IowaIowa Code Ann. § 614.1 et seq.10 years5 years
KansasKan. Stat. Ann. § 60-501 et seq.5 years3 years
KentuckyKy. Rev. Stat. Ann. § 413.080 et seq.15 years5 years
LouisianaLa. civil code § 3492 et seq.10 years10 years
MaineMe. Rev. Stat. Ann. tit. 14, § 751 et seq.6 years6 years
MarylandMd. Courts & Jud. Proc. Code Ann. § 5-101 et seq.3 years3 years
MassachusettsMass. Ann. Laws ch. 260, § 1 et seq.6 years6 years
MichiganMich. Comp. Laws § 600.5801 et seq.6 years6 years
MinnesotaMinn. Stat. Ann. § 541.01 et seq.6 years6 years
MississippiMiss. Code. Ann. § 15-1-1 et seq.6 years3 years
MissouriMo. Rev. Stat. § 516.097 et seq.5 years5 years
MontanaMont. Code Ann. § 27-2-2021 et seq.8 years5 years
NebraskaNeb. Rev. Stat. § 25-201 et seq.5 years4 years
NevadaNev. Rev. Stat. Ann. § 11.010 et seq.6 years4 years
New HampshireN.H. Rev. Stat. Ann. § 508:1 et seq.3 years3 years
New JerseyN.J. Stat. Ann. § 2a:14-1 et seq.6 years6 years
New MexicoN.M. Stat. Ann. § 37-1-1 et seq.6 years4 years
New YorkN.Y. Civ. Prac. Laws & Rules § 201 et seq.6 years6 years
North CarolinaN.C. Gen. Stat. § 1-46 et seq.3 years3 years
North DakotaN.D. Cent. Code § 28-01-01 et seq.6 years6 years
OhioOhio Rev. Code Ann. § 2305.03 et seq.8 years6 years
OklahomaOkla. Stat. Ann. tit. 12, § 91 et seq.5 years3 years
OregonOr. Rev. Stat. § 12.010 et seq.6 years6 years
Pennsylvania42 Pa. Cons. Stat. Ann. § 5501 et seq.3 years4 years
Rhode IslandR. I. Gen. Laws § 9-1-12 et seq.10 years10 years
South CarolinaS.C. Code Ann. § 15-3-510 et seq.3 years3 years
South DakotaS.D. Codified Laws Ann. § 15-2-1 et seq.6 years6 years
TennesseeTenn. Code Ann. § 28-3-101 et seq.6 years6 years
TexasTex. Civ. Prac. & Rem. Code § 16.001 et seq.4 years4 years
UtahUtah Code Ann. § 78-12-22 et seq.6 years4 years
VermontVt. Stat. Ann. tit. 12, § 461 et seq.6 years6 years
VirginiaVa. Code Ann. § 8.01-228 et seq.5 years3 years
WashingtonWash. Rev. Code Ann. § 4.16.005 et seq.6 years3 years
West VirginiaW. Va. Code § 55-2-1 et seq.10 years5 years
WisconsinWis. Stat. Ann. § 893.01 et seq.6 years6 years
WyomingWyo. Stat. § 1-3-102 et seq.10 years8 years

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