# Indiana statute of limitations on debt

> In Indiana, the statute of limitations on a written contract is 6 years under IC 34-11-2-9. Periods for oral contracts, open accounts and promissory notes.

- Source: https://ottoforfirms.com/statute-of-limitations/indiana/
- Publisher: Otto — https://ottoforfirms.com
- Updated: 2026-07-26

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In Indiana, the statute of limitations on a written contract is 6 years under IC 34-11-2-9.

**Rule.** A written contract claim in Indiana must be brought within 6 years.

**Authority.** [IC 34-11-2-9](https://iga.in.gov/ic/2025/Title_34.html)

| Contract type | Limitations period |
| --- | --- |
| Written contract | 6 yr |
| Oral contract | 6 yr |
| Open account | 6 yr |
| Promissory note | 6 yr |

## When does the clock start?

All periods run "after the cause of action accrues." For accounts, IC 34-11-3-1 (Mutual, open, and current accounts): "In an action brought to recover a balance due upon a mutual, open, and current account between the parties, the cause of action is considered to have accrued from the date of the last item proved in the account on either side."

## What pauses it?

IC 34-11-4-1: time during which the defendant is a nonresident is not computed, except while the defendant maintains an Indiana agent for service of process. IC 34-11-5-1 (concealment): if a person liable conceals the fact, the action may be brought within the limitation period after discovery. IC 34-11-6-1 (legal disabilities): two years after the disability is removed.

Last reviewed 2026-07-26

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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.