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Statute Of Limitations
Statute of Limmitations is quite simply an experation date on the window of time, that legal action can be brought against you. However that doesn't stop all creditors from trying. You need to remember that they usually assume you are ignorant to your right, and they expect that you will give into their intimidation tactics.
Remote location allows the creditor to use the laws of your home state against you. However, the statutes of your state could be your only saving factor. EXAMPLE: That means if your state's statute is for 3yrs from last payment, or last charge, then the creditor must bring action against you before that time clock ends. If they try to bring legal action against you after the statute of limmitations expires, then you could usually have the case dismissed as an unenforcable debt. You must check your state's statute of limmitations. A list has been provided below. Each State will be listed, as well as all consumer related statute of limmitations. It is suggested that you should hire
an attourney for all matters regarding any legal matter, especially civil trials. However, what you do is your choice.
Also provide on this page is links to all state statute of limmitations on open accounts. ( an open account is commonly referred to as "revolving account" or "credit card debt" Just click on the appropriate state, and you will open a page in a new window to the actual website provided by your state's government, providing you the law in it's whole written form. Now some states list in PDF format, so if you do not have a Adobe Reader, please click the Adobe link button to get to the free down load.
Remote location allows the creditor to use the laws of your home state against you. However, the statutes of your state could be your only saving factor. EXAMPLE: That means if your state's statute is for 3yrs from last payment, or last charge, then the creditor must bring action against you before that time clock ends. If they try to bring legal action against you after the statute of limmitations expires, then you could usually have the case dismissed as an unenforcable debt. You must check your state's statute of limmitations. A list has been provided below. Each State will be listed, as well as all consumer related statute of limmitations. It is suggested that you should hire
an attourney for all matters regarding any legal matter, especially civil trials. However, what you do is your choice.
Also provide on this page is links to all state statute of limmitations on open accounts. ( an open account is commonly referred to as "revolving account" or "credit card debt" Just click on the appropriate state, and you will open a page in a new window to the actual website provided by your state's government, providing you the law in it's whole written form. Now some states list in PDF format, so if you do not have a Adobe Reader, please click the Adobe link button to get to the free down load.
State |
Oral |
Written |
Promissory |
Open-ended Accounts |
State Statute: Open Accounts |
AL |
6 |
6 |
6 |
3 |
|
AR |
5 |
5 |
5 |
3 |
|
AK |
6 |
6 |
3 |
3 |
|
AZ |
3 |
6 |
6 |
3 |
 |
CA |
2 |
4 |
4 |
4 |
|
CO |
6 |
6 |
6 |
3 |
|
CT |
3 |
6 |
6 |
3 |
|
DE |
3 |
3 |
3 |
4 |
|
DC |
3 |
3 |
3 |
3 |
|
FL |
4 |
5 |
5 |
4 |
|
GA |
4 |
6 |
6 |
6 |
|
HI |
6 |
6 |
6 |
6 |
|
IA |
5 |
10 |
5 |
5 |
|
ID |
4 |
5 |
5 |
4 |
|
IL |
5 |
10 |
10 |
5 |
|
IN |
6 |
10 |
10 |
6 |
|
KS |
3 |
6 |
5 |
3 |
|
KY |
5 |
15 |
15 |
5 |
|
LA |
10 |
10 |
10 |
3 |
|
ME |
6 |
6 |
6 |
6 |
|
MD |
3 |
3 |
6 |
3 |
|
MA |
6 |
6 |
6 |
6 |
|
MI |
6 |
6 |
6 |
6 |
|
MN |
6 |
6 |
6 |
6 |
|
MS |
3 |
3 |
3 |
3 |
|
MO |
5 |
10 |
10 |
5 |
|
MT |
3 |
8 |
8 |
5 |
|
NC |
3 |
3 |
5 |
3 |
|
ND |
6 |
6 |
6 |
6 |
|
NE |
4 |
5 |
5 |
4 |
|
NH |
3 |
3 |
6 |
3 |
|
NJ |
6 |
6 |
6 |
3 |
|
NM |
4 |
6 |
6 |
4 |
|
NV |
4 |
6 |
3 |
4 |
|
NY |
6 |
6 |
6 |
6 |
|
OH |
6 |
15 |
15 |
6 |
|
OK |
3 |
5 |
5 |
3 |
|
OR |
6 |
6 |
6 |
6 |
|
PA |
4 |
4 |
4 |
4 |
|
RI |
10 |
5 |
6 |
4 |
|
SC |
3 |
3 |
3 |
3 |
|
SD |
6 |
6 |
6 |
6 |
|
TN |
6 |
6 |
6 |
3 |
|
TX |
4 |
4 |
4 |
4 |
|
UT |
4 |
6 |
6 |
4 |
|
VA |
3 |
5 |
6 |
3 |
|
VT |
6 |
6 |
5 |
3 |
|
WA |
3 |
6 |
6 |
3 |
|
WI |
6 |
6 |
10 |
6 |
|
WV |
5 |
10 |
6 |
5 |
|
WY |
8 |
10 |
10 |
8 |
|
