FEDERAL LAW · PRE-VERIFIED
Statute of Limitations on Debt
FDCPA / State Statutes · 15 U.S.C. § 1692e / State Law
✓ VERIFIED
Debt collection statutes of limitations vary by state (typically 3–10 years). After the deadline, the debt is time-barred and uncollectable in court. Making a payment or acknowledging the debt in writing can restart the clock in many states.
Primary Statute
FDCPA / State Statutes
15 U.S.C. § 1692e / State Law
The statute of limitations on debt is set by state law and typically ranges from 3 to 10 years. After expiration, the debt is time-barred and a court cannot award judgment on it. WARNING: making any payment or acknowledging the debt in writing may restart the limitations clock.
https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act