Find out exactly how long debt collectors have to sue you in your state — and whether your debt may already be time-barred. All 50 states + D.C.
Select your state to see the statute of limitations for open-ended accounts (credit cards, lines of credit) — the most common consumer debts.
| State | Credit Card SOL | Window |
|---|---|---|
| Alabama (AL) | 3 yrs | Short |
| Alaska (AK) | 3 yrs | Short |
| Arizona (AZ) | 6 yrs | Moderate |
| Arkansas (AR) | 5 yrs | Moderate |
| California (CA) | 4 yrs | Moderate |
| Colorado (CO) | 6 yrs | Moderate |
| Connecticut (CT) | 6 yrs | Moderate |
| Delaware (DE) | 4 yrs | Moderate |
| D.C. (DC) | 3 yrs | Short |
| Florida (FL) | 5 yrs | Moderate |
| Georgia (GA) | 6 yrs | Moderate |
| Hawaii (HI) | 6 yrs | Moderate |
| Idaho (ID) | 4 yrs | Moderate |
| Illinois (IL) | 5 yrs | Moderate |
| Indiana (IN) | 6 yrs | Moderate |
| Iowa (IA) | 5 yrs | Moderate |
| Kansas (KS) | 3 yrs | Short |
| Kentucky (KY) | 10 yrs | Long |
| Louisiana (LA) | 3 yrs | Short |
| Maine (ME) | 6 yrs | Moderate |
| Maryland (MD) | 3 yrs | Short |
| Massachusetts (MA) | 6 yrs | Moderate |
| Michigan (MI) | 6 yrs | Moderate |
| Minnesota (MN) | 6 yrs | Moderate |
| Mississippi (MS) | 3 yrs | Short |
| Missouri (MO) | 5 yrs | Moderate |
| Montana (MT) | 5 yrs | Moderate |
| Nebraska (NE) | 4 yrs | Moderate |
| Nevada (NV) | 4 yrs | Moderate |
| New Hampshire (NH) | 3 yrs | Short |
| New Jersey (NJ) | 6 yrs | Moderate |
| New Mexico (NM) | 4 yrs | Moderate |
| New York (NY) | 3 yrs | Short |
| North Carolina (NC) | 3 yrs | Short |
| North Dakota (ND) | 6 yrs | Moderate |
| Ohio (OH) | 6 yrs | Moderate |
| Oklahoma (OK) | 3 yrs | Short |
| Oregon (OR) | 6 yrs | Moderate |
| Pennsylvania (PA) | 4 yrs | Moderate |
| Rhode Island (RI) | 10 yrs | Long |
| South Carolina (SC) | 3 yrs | Short |
| South Dakota (SD) | 6 yrs | Moderate |
| Tennessee (TN) | 6 yrs | Moderate |
| Texas (TX) | 4 yrs | Moderate |
| Utah (UT) | 4 yrs | Moderate |
| Vermont (VT) | 6 yrs | Moderate |
| Virginia (VA) | 3 yrs | Short |
| Washington (WA) | 6 yrs | Moderate |
| West Virginia (WV) | 5 yrs | Moderate |
| Wisconsin (WI) | 6 yrs | Moderate |
| Wyoming (WY) | 6 yrs | Moderate |