Statutes of Limitations

Statutes of Limitations

Below are common statutes of limitations for all 50 states, expressed in years.

Please use the chart below only for preliminary information. You should read the actual statutes of limitation for the time limit for your specific claim, which may vary from what you read here. Be careful to note whether the account is governed by the law of the state that the debtor resides in, or by those for the state where your place of business is located.

Time limits for filing a lawsuit to recover on bad debts are often shorter than the time limits for filing a lawsuit in a contract dispute.

In some states the statute of limitations for foreclosing on a mortgage is the same as for written contracts, but in other states there is a separate law and time period. In some states such as Florida the statute may not apply at all to most mortgages as each missed payment may restart the clock. This is an area of law that can change with each appellate case so you will want to check with a knowledgeable attorney who specializes in this area.

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Statutes of Limitations for the 50 States (and the District of Columbia)

State Statute Written contract Oral contract Injury Property damage
State Alabama Statute Ala. Code § 6-2-2 et seq. * Written contract 6 Oral contract 6 Injury 2 Property damage 6
State Alaska Statute Alaska Stat. § 09.10.010 et seq. Written contract 6 Oral contract 6 Injury 2 Property damage 6 (real property); 2 (personal property)
State Arizona Statute Ariz. Rev. Stat. Ann. § 12-541 et seq. Written contract 6 Oral contract 6 Injury 2 Property damage 6 (real property); 2 (personal property)
State Arkansas Statute Ark. Code Ann. § 16-56-101 et seq. Written contract 5 Oral contract 3 Injury 3 Property damage 3
State California Statute Cal. Civ. Proc. Code § 312 et seq. Written contract 4 Oral contract 2 Injury 2 Property damage 3
State Colorado Statute Colo. Rev. Stat. § 13-80-102 et seq. Written contract 3 (6 most debts; rent) (2 tortious breach) Oral contract 3 (6 short-term debt/rent ) (2 tortious breach) Injury 2 Property damage 2
State Connecticut Statute Conn. Gen. Stat. Ann. § 52-575 et seq. Written contract 6 Oral contract 3 Injury 2 Property damage 2
State Delaware Statute Del. Code Ann. tit. 10, § 8101 et seq. Written contract 3 Oral contract 3 Injury 2 Property damage 2
State District of Columbia Statute D.C. Code § 12-301 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Florida Statute Fla. Stat. Ann. § 95.011 et seq. Written contract 5 Oral contract 4 Injury 4 Property damage 4
State Georgia Statute Ga. Code Ann. § 9-3-20 et seq. Written contract 6 Oral contract 4 Injury 2 Property damage 4
State Hawaii Statute Haw. Rev. Stat. § 657-1 et seq. Written contract 6 Oral contract 6 Injury 2 Property damage 2
State Idaho Statute Idaho Code § 5-201 et seq. Written contract 5 Oral contract 4 Injury 3 Property damage 2
State Illinois Statute 735 Ill. Comp. Stat. 5/13-201 et seq. Written contract 10 Oral contract 5 Injury 2 Property damage 5
State Indiana Statute Ind. Code Ann. § 34-11-2-1 et seq. Written contract 10 Oral contract 6 Injury 2 Property damage 6 (real property); 2 (personal property)
State Iowa Statute Iowa Code Ann. § 614.1 et seq. Written contract 10 Oral contract 5 Injury 2 Property damage 5
State Kansas Statute Kan. Stat. Ann. § 60-501 et seq. Written contract 5 Oral contract 3 Injury 2 Property damage 2
State Kentucky Statute Ky. Rev. Stat. Ann. § 413.080 et seq. Written contract 15 Oral contract 5 Injury 1 Property damage 5 (real property); 2 (personal property)
State Louisiana Statute La. civil code § 3492 et seq. Written contract 10 Oral contract 10 Injury 1 Property damage 1
State Maine Statute Me. Rev. Stat. Ann. tit. 14, § 751 et seq. Written contract 6 Oral contract 6 Injury 6 Property damage 6
State Maryland Statute Md. Courts & Jud. Proc. Code Ann. § 5-101 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Massachusetts Statute Mass. Ann. Laws ch. 260, § 1 et seq. Written contract 6 Oral contract 6 Injury 3 Property damage 3
State Michigan Statute Mich. Comp. Laws § 600.5801 et seq. Written contract 6 Oral contract 6 Injury 3 Property damage 3
State Minnesota Statute Minn. Stat. Ann. § 541.01 et seq. Written contract 6 Oral contract 6 Injury 2 Property damage 6
State Mississippi Statute Miss. Code. Ann. § 15-1-1 et seq. Written contract 6 Oral contract 3 Injury 3 Property damage 3
State Missouri Statute Mo. Rev. Stat. § 516.097 et seq. Written contract 5 Oral contract 5 Injury 5 Property damage 5
State Montana Statute Mont. Code Ann. § 27-2-2021 et seq. Written contract 8 Oral contract 5 Injury 3 Property damage 2
State Nebraska Statute Neb. Rev. Stat. § 25-201 et seq. Written contract 5 Oral contract 4 Injury 4 Property damage 4
State Nevada Statute Nev. Rev. Stat. Ann. § 11.010 et seq. Written contract 6 Oral contract 4 Injury 2 Property damage 3
State New Hampshire Statute N.H. Rev. Stat. Ann. § 508:1 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State New Jersey Statute N.J. Stat. Ann. § 2a:14-1 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State New Mexico Statute N.M. Stat. Ann. § 37-1-1 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State New York Statute N.Y. Civ. Prac. Laws & Rules § 201 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State North Carolina Statute N.C. Gen. Stat. § 1-46 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State North Dakota Statute N.D. Cent. Code § 28-01-01 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Ohio Statute Ohio Rev. Code Ann. § 2305.03 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Oklahoma Statute Okla. Stat. Ann. tit. 12, § 91 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Oregon Statute Or. Rev. Stat. § 12.010 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Pennsylvania Statute 42 Pa. Cons. Stat. Ann. § 5501 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Rhode Island Statute R. I. Gen. Laws § 9-1-12 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State South Carolina Statute S.C. Code Ann. § 15-3-510 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State South Dakota Statute S.D. Codified Laws Ann. § 15-2-1 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Tennessee Statute Tenn. Code Ann. § 28-3-101 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Texas Statute Tex. Civ. Prac. & Rem. Code § 16.001 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Utah Statute Utah Code Ann. § 78B-2-101 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Vermont Statute Vt. Stat. Ann. tit. 12, § 461 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Virginia Statute Va. Code Ann. § 8.01-228 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Washington Statute Wash. Rev. Code Ann. § 4.16.005 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State West Virginia Statute W. Va. Code § 55-2-1 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Wisconsin Statute Wis. Stat. Ann. § 893.01 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3
State Wyoming Statute Wyo. Stat. § 1-3-102 et seq. Written contract 3 Oral contract 3 Injury 3 Property damage 3