Statute of Limitations Guide
The statute of limitations sets a deadline for filing debt lawsuits. If the deadline passed, your lawyer can assert it as a defense. Do not rely on internet tables—state rules vary and can change.
Typical Ranges (Illustrative)
| State | Credit Card (Written) | Notes |
|---|---|---|
| CA | 4 years | Choice-of-law issues may apply |
| TX | 4 years | Accrual may be disputed |
| NY | 6 years | Lookback limits for some debt types |
| FL | 5 years | Shorter for oral accounts |
Important: Making a payment or written acknowledgment may restart the clock in some states. Get legal advice.