Limitations periods for consumer debt across all fifty states and the District of Columbia, with the statute for each. Free, no sign-up, and cited to each state's own code rather than to a summary of it.
Attorney-reviewed · cited to primary sources
Every published period in this table is cited to the section it came from and has been reviewed and signed off by a licensed attorney; Tennessee, the one unpublished jurisdiction, is blocked because the state publishes its code only through a gated commercial database, which our sourcing policy will not cite. Published as a reference, not as legal advice. Confirm against the primary source before acting, and read the per-jurisdiction confidence below — it records how directly each figure was verified.
50 of 51 jurisdictions researched · 50 of 51 attorney-reviewed
Statute of limitations on consumer debt by US jurisdiction, by contract type. Cited to primary sources and attorney-reviewed. As of 2026-09-01.
high Every statutory field was re-read at the primary source and confirmed verbatim. 28 of 50.
medium Confirmed on the substance against the jurisdiction's own primary text — in some states that text is its appellate courts reproducing the section rather than the code itself. Read the notes. 22 of 50.
low Something material is unresolved, contested, or could not be confirmed at the primary source. Treat these figures as a starting point for your own research, not as an answer. 0 of 50.
— A dash means the jurisdiction reports no separate period for that category — often because its code draws no such distinction. The reason is in that jurisdiction's notes. 1 jurisdiction(s) show no periods at all, because no period was resolved from the primary source.
caveat The citation has a recorded defect: the linked source will not show the quoted text, or the printed period is narrower than the number suggests. Open the jurisdiction for the detail.
This is an informational reference, not legal advice, and using it creates no attorney-client relationship. Limitations periods turn on facts this page cannot know — which state's law governs, the contract type, when the claim accrued, and whether anything tolled or revived it. Confirm against the primary source and your own counsel before acting.
About Otto
This table is a free reference and it is not the product. Otto is case management for US collections law firms; the rules engine ships all fifty states configured — four shown in end-to-end depth in the demo — and it checks a date like this one before a file moves rather than after.