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.
| State | Statute | Written contract | Revolving / Open Ended Accounts |
| Alabama | Ala. Code § 6-2-2 et seq. * | 6 years | 6 years |
| Alaska | Alaska Stat. § 09.10.010 et seq. | 3 years | 3 years |
| Arizona | Ariz. Rev. Stat. Ann. § 12-541 et seq. | 6 years | 3 years |
| Arkansas | Ark. Code Ann. § 16-56-101 et seq. | 5 years | 3 years |
| California | Cal. Civ. Proc. Code § 312 et seq. | 4 years | 2 years |
| Colorado | Colo. Rev. Stat. § 13-80-102 et seq. | 6 years | 6 years |
| Connecticut | Conn. Gen. Stat. Ann. § 52-575 et seq. | 6 years | 3 years |
| Delaware | Del. Code Ann. tit. 10, § 8101 et seq. | 3 years | 3 years |
| District of Columbia | D.C. Code § 12-301 et seq. | 3 years | 3 years |
| Florida | Fla. Stat. Ann. § 95.011 et seq. | 5 years | 4 years |
| Georgia | Ga. Code Ann. § 9-3-20 et seq. | 6 years | 4 years |
| Hawaii | Haw. Rev. Stat. § 657-1 et seq. | 6 years | 6 years |
| Idaho | Idaho Code § 5-201 et seq. | 5 years | 4 years |
| Illinois | 735 Ill. Comp. Stat. 5/13-201 et seq. | 10 years | 5 years |
| Indiana | Ind. Code Ann. § 34-11-2-1 et seq. | 10 years | 6 years |
| Iowa | Iowa Code Ann. § 614.1 et seq. | 10 years | 5 years |
| Kansas | Kan. Stat. Ann. § 60-501 et seq. | 5 years | 3 years |
| Kentucky | Ky. Rev. Stat. Ann. § 413.080 et seq. | 15 years | 5 years |
| Louisiana | La. civil code § 3492 et seq. | 10 years | 10 years |
| Maine | Me. Rev. Stat. Ann. tit. 14, § 751 et seq. | 6 years | 6 years |
| Maryland | Md. Courts & Jud. Proc. Code Ann. § 5-101 et seq. | 3 years | 3 years |
| Massachusetts | Mass. Ann. Laws ch. 260, § 1 et seq. | 6 years | 6 years |
| Michigan | Mich. Comp. Laws § 600.5801 et seq. | 6 years | 6 years |
| Minnesota | Minn. Stat. Ann. § 541.01 et seq. | 6 years | 6 years |
| Mississippi | Miss. Code. Ann. § 15-1-1 et seq. | 6 years | 3 years |
| Missouri | Mo. Rev. Stat. § 516.097 et seq. | 5 years | 5 years |
| Montana | Mont. Code Ann. § 27-2-2021 et seq. | 8 years | 5 years |
| Nebraska | Neb. Rev. Stat. § 25-201 et seq. | 5 years | 4 years |
| Nevada | Nev. Rev. Stat. Ann. § 11.010 et seq. | 6 years | 4 years |
| New Hampshire | N.H. Rev. Stat. Ann. § 508:1 et seq. | 3 years | 3 years |
| New Jersey | N.J. Stat. Ann. § 2a:14-1 et seq. | 6 years | 6 years |
| New Mexico | N.M. Stat. Ann. § 37-1-1 et seq. | 6 years | 4 years |
| New York | N.Y. Civ. Prac. Laws & Rules § 201 et seq. | 6 years | 6 years |
| North Carolina | N.C. Gen. Stat. § 1-46 et seq. | 3 years | 3 years |
| North Dakota | N.D. Cent. Code § 28-01-01 et seq. | 6 years | 6 years |
| Ohio | Ohio Rev. Code Ann. § 2305.03 et seq. | 8 years | 6 years |
| Oklahoma | Okla. Stat. Ann. tit. 12, § 91 et seq. | 5 years | 3 years |
| Oregon | Or. Rev. Stat. § 12.010 et seq. | 6 years | 6 years |
| Pennsylvania | 42 Pa. Cons. Stat. Ann. § 5501 et seq. | 3 years | 4 years |
| Rhode Island | R. I. Gen. Laws § 9-1-12 et seq. | 10 years | 10 years |
| South Carolina | S.C. Code Ann. § 15-3-510 et seq. | 3 years | 3 years |
| South Dakota | S.D. Codified Laws Ann. § 15-2-1 et seq. | 6 years | 6 years |
| Tennessee | Tenn. Code Ann. § 28-3-101 et seq. | 6 years | 6 years |
| Texas | Tex. Civ. Prac. & Rem. Code § 16.001 et seq. | 4 years | 4 years |
| Utah | Utah Code Ann. § 78-12-22 et seq. | 6 years | 4 years |
| Vermont | Vt. Stat. Ann. tit. 12, § 461 et seq. | 6 years | 6 years |
| Virginia | Va. Code Ann. § 8.01-228 et seq. | 5 years | 3 years |
| Washington | Wash. Rev. Code Ann. § 4.16.005 et seq. | 6 years | 3 years |
| West Virginia | W. Va. Code § 55-2-1 et seq. | 10 years | 5 years |
| Wisconsin | Wis. Stat. Ann. § 893.01 et seq. | 6 years | 6 years |
| Wyoming | Wyo. Stat. § 1-3-102 et seq. | 10 years | 8 years |
