Home / States

Debt collection laws by state

Federal law sets the rules for disputes. Your state sets the time limit for lawsuits, what restarts it, and how much of your pay is protected.

• Alabama6 years written · 3 years open accounts
• Alaska3 years written
• Arizona6 years written
• Arkansas5 years written · 3 years open accounts
• California4 years written
• Colorado6 years written
• Connecticut6 years written
• Delaware3 years written
• District of Columbia3 years written
• Florida5 years written · 4 years open accounts
• Georgia6 years written · 4 years open accounts
• Hawaii6 years written
• Idaho5 years written · 4 years open accounts
• Illinois10 years written · 5 years open accounts
• Indiana6 years written
• Iowa10 years written · 5 years open accounts
• Kansas5 years written · 3 years open accounts
• Kentucky10 years written · 5 years open accounts
• Louisiana10 years written · 3 years open accounts
• Maine6 years written
• Maryland3 years written
• Massachusetts6 years written
• Michigan6 years written
• Minnesota6 years written
• Mississippi3 years written
• Missouri10 years written · 5 years open accounts
• Montana8 years written · 5 years open accounts
• Nebraska5 years written · 4 years open accounts
• Nevada6 years written · 4 years open accounts
• New Hampshire3 years written
• New Jersey6 years written
• New Mexico6 years written · 4 years open accounts
• New York3 years written
• North Carolina3 years written
• North Dakota6 years written
• Ohio6 years written
• Oklahoma5 years written · 3 years open accounts
• Oregon6 years written
• Pennsylvania4 years written
• Rhode Island10 years written
• South Carolina3 years written
• South Dakota6 years written
• Tennessee6 years written
• Texas4 years written
• Utah6 years written · 4 years open accounts
• Vermont6 years written
• Virginia5 years written · 3 years open accounts
• Washington6 years written
• West Virginia10 years written · 5 years open accounts
• Wisconsin6 years written
• Wyoming10 years written · 8 years open accounts