Free State Guides

Credit Repair by State

Your state's laws determine how long collectors can sue you and what rights you have beyond federal law. Find your state's guide below.

Quick Answer

Statutes of limitations on credit card debt range from 3–6 years depending on your state. Many states add consumer protections beyond the federal FCRA. Select your state for the full playbook.

All 50 States

Green dot = state has consumer protections stronger than federal law

ALAlabama6-yr limit to sue (credit card)AKAlaska3-yr limit to sue (credit card)AZArizona6-yr limit to sue (credit card)ARArkansas5-yr limit to sue (credit card)CACalifornia4-yr limit to sue (credit card)COColorado6-yr limit to sue (credit card)CTConnecticut6-yr limit to sue (credit card)DEDelaware3-yr limit to sue (credit card)FLFlorida5-yr limit to sue (credit card)GAGeorgia6-yr limit to sue (credit card)HIHawaii6-yr limit to sue (credit card)IDIdaho5-yr limit to sue (credit card)ILIllinois5-yr limit to sue (credit card)INIndiana6-yr limit to sue (credit card)IAIowa5-yr limit to sue (credit card)KSKansas5-yr limit to sue (credit card)KYKentucky5-yr limit to sue (credit card)LALouisiana3-yr limit to sue (credit card)MEMaine6-yr limit to sue (credit card)MDMaryland3-yr limit to sue (credit card)MAMassachusetts6-yr limit to sue (credit card)MIMichigan6-yr limit to sue (credit card)MNMinnesota6-yr limit to sue (credit card)MSMississippi3-yr limit to sue (credit card)MOMissouri5-yr limit to sue (credit card)MTMontana5-yr limit to sue (credit card)NENebraska5-yr limit to sue (credit card)NVNevada6-yr limit to sue (credit card)NHNew Hampshire3-yr limit to sue (credit card)NJNew Jersey6-yr limit to sue (credit card)NMNew Mexico6-yr limit to sue (credit card)NYNew York3-yr limit to sue (credit card)NCNorth Carolina3-yr limit to sue (credit card)NDNorth Dakota6-yr limit to sue (credit card)OHOhio6-yr limit to sue (credit card)OKOklahoma5-yr limit to sue (credit card)OROregon6-yr limit to sue (credit card)PAPennsylvania4-yr limit to sue (credit card)RIRhode Island10-yr limit to sue (credit card)SCSouth Carolina3-yr limit to sue (credit card)SDSouth Dakota6-yr limit to sue (credit card)TNTennessee6-yr limit to sue (credit card)TXTexas4-yr limit to sue (credit card)UTUtah6-yr limit to sue (credit card)VTVermont6-yr limit to sue (credit card)VAVirginia5-yr limit to sue (credit card)WAWashington6-yr limit to sue (credit card)WVWest Virginia10-yr limit to sue (credit card)WIWisconsin6-yr limit to sue (credit card)WYWyoming8-yr limit to sue (credit card)

Know Your State. Manage Your Cards Smarter.

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