Debt Lawsuit Statute of Limitations

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Debt Lawsuit Statute of Limitations

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Debt Lawsuit Statute of Limitations

A Debt Lawsuit Statute of Limitation is the length of time someone can bring a legal suit against you. Below is a state-by-state list of Statue of Limitations.

Statute of Limititation for unpaid Credit Card bills: If you fall behind in your credit card payments, the card issuer can sue you for payment. The start date for the statute of limitations is the date of your last payment. For example, if your last payment was on January 10, 2003, and the statute of limitation in your state for credit card debt is seven years, your card issuer has until January 10, 2010 to sue you to recover the unpaid debt.

Please note: That some states consider credit card agreements to be an oral contract,other states consider it a written contract, and some states have specific laws pertaining to credit card lawsuits. If you have unpaid credit card debt and are concerned about your legal rights, a lawyer can brief you on the specific laws and Debt Lawsuit Statute of Limitation rules for your state.

STATE	STATUTE CITATIONS	ORAL	WRITTEN	PROMISSORY	OPEN-ENDED ACCOUNTS
ALABAMA	Ala. Code – 6-2-2 et. seq.	6	6	6	3
ALASKA	Alaska Stat. – 09.10.010 et. seq.	6	6	3	3
ARIZONA	Ariz. Rev. Stat. Ann. – 12-541 et. seq.	3	6	6	3
ARKANSAS	Ark. Code Ann. – 16-56-101 et. seq.	6	6	3	3
CALIFORNIA	Cal. Civ. Proc. Code – 312 et. seq.	2	4	4	4
COLORADO	Colo. Rev. Stat. – 13-80-102 et. seq.	6	6	6	6
CONNECTICUT	Conn. Gen. Stat. Ann. – 52-576 et. seq.	3	6	6	3
DELAWARE	Del. Code Ann. tit. 10, – 8101 et. seq.	3	3	3	4
DISTRICT OF COLUMBIA	D.C. Code – 12-301 et. seq.	3	3	3	3
FLORIDA	Fla. Stat. Ann. – 95.011 et. seq.	4	5	5	4
GEORGIA	Ga. Code Ann. – 9-3-20 et. seq.	4	6	6**	4
HAWAII	Haw. Rev. Stat. – 657-1 et. seq.	6	6	6	6
IDAHO	Idaho Code – 5-201 et. seq.	4	5	5	4
ILLINOIS	735 Ill. Comp. Stat. 5/13-201 et. seq.	5	10	10	5
INDIANA	Ind. Code Ann. – 34-11-2-1 et. seq.	6	10	10	6
IOWA	Iowa Code Ann. – 614.1 et. seq.	5	10	5	5
KANSAS	Kan. Stat. Ann. – 60-501 et. seq.	3	6	5	3
KENTUCKY	Ky. Rev. Stat. Ann. – 413.080 et. seq.	5	15	15	5
LOUISIANA	La. Civil Code – 3492 et. seq.	10	10	10	3
MAINE	Me. Rev. Stat. Ann. tit. 14, – 751 et. seq.	6	6	6	6
MARYLAND	Md. Courts & Jud. Proc. Code Ann. – 5-101 et. seq.	3	3	6	3
MASSACHUSETTS	Mass. Ann. Laws ch. 260, – 1 et. seq.	6	6	6	6
MICHIGAN	Mich. Comp. Laws – 600.5801 et. seq.	6	6	6	6
MINNESOTA	Minn. Stat. Ann. – 541.01 et. seq.	6	6	6	6
MISSISSIPPI	Miss. Code. Ann. – 15-1-1 et. seq.	3	3	3	3
MISSOURI	Mo. Rev. Stat. – 516.097 et. seq.	5	10	10	5
MONTANA	Mont. Code Ann. – 27-2-2021 et. seq.	5	8	8	5
NEBRASKA	Neb. Rev. Stat. – 25-201 et. seq.	4	5	5	4
NEVADA	Nev. Rev. Stat. Ann. – 11.010 et. seq.	4	6	3	4
NEW HAMPSHIRE	N.H. Rev. Stat. Ann. – 508:1 et. seq.	3	3	6	3
NEW JERSEY	N.J. Stat. Ann. – 2a:14-1 et. seq.	6	6	6	6
NEW MEXICO	N.M. Stat. Ann. – 37-1-1 et. seq.	4	6	6	4
NEW YORK	N.Y. Civ. Prac. Laws & Rules – 201 et. seq.	6	6	6	6
NORTH CAROLINA	N.C. Gen. Stat. – 1-46 et. seq.	3	3	5	3
NORTH DAKOTA	N.D. Cent. Code – 28-01-01 et. seq.	6	6	6	6
OHIO	Ohio Rev. Code Ann. – 2305.03 et. seq.	6	15	15	6
OKLAHOMA	Okla. Stat. Ann. tit. 12, – 93 et. seq.	3	5	5	3
OREGON	Or. Rev. Stat. – 12.010 et. seq.	6	6	6	6
PENNSYLVANIA	42 Pa. Cons. Stat. Ann. – 5501 et. seq.	4	4	4	4
RHODE ISLAND	R. I. Gen. Laws – 9-1-12 et. seq.	15	15	10	10
SOUTH CAROLINA	S.C. Code Ann. – 15-3-510 et. seq.	3	3	3	3
SOUTH DAKOTA	S.D. Codified Laws Ann. – 15-2-1 et. seq.	3	6	6	6
TENNESSEE	Tenn. Code Ann. – 28-3-101 et. seq.	6	6	6	6
TEXAS	Tex. Civ. Prac. & Rem. Code – 16.001 et. seq.	4	4	4	4
UTAH	Utah Code Ann. – 78-12-22 et. seq.	4	6	4	6
VERMONT	Vt. Stat. Ann. tit. 12, – 506 et. seq.	6	6	5	3
VIRGINIA	Va. Code Ann. – 8.01-228 et. seq.	3	5	6	3
WASHINGTON	Wash. Rev. Code Ann. – 4.16.005 et. seq.	3	6	6	3
WEST VIRGINIA	W. Va. Code – 55-2-6 et. seq.	10	5	2	2
WISCONSIN	Wis. Stat. Ann. – 893.01 et. seq.	5	10	6	5
WYOMING	Wyo. Stat. – 1-3-102 et. seq.	8	10	10	8

** Georgia Court of Appeals came out with a decision on January 24, 2008 in Hill v. American Express that in Georgia the statute of limitations on a credit card is six years after the amount becomes due and payable.

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