Is there a Statute of Limitations on credit card debt? How? 16 Answers as of August 17, 2015

I am being sued by a credit card company for a debt from 2013. Is there a Statute of Limitations on this type of case?

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Novakov & Associates, PLLC
Novakov & Associates, PLLC | LINDA S. NOVAKOV
15 years for a contract in Kentucky.
Answer Applies to: Kentucky
Replied: 8/17/2015
Stacy Joel Safion, Esq.
Stacy Joel Safion, Esq. | Stacy Joel Safion
4 years from the breach.
Answer Applies to: California
Replied: 8/17/2015
Ronald K. Nims LLC | Ronald K. Nims
Depends on the state, usually 8 to 10 years.
Answer Applies to: Ohio
Replied: 8/17/2015
The Schreiber Law Firm
The Schreiber Law Firm | Jeffrey D. Schreiber
The statute of limitations is different in each state, so whether the statute of limitations has run would depend on the state where you reside. Generally, the statute of limitations on a credit card debt is between 3 to 6 years, but you would need to determine what it is in your state.
Answer Applies to: California
Replied: 8/14/2015
A Fresh Start
A Fresh Start | Dorothy G Bunce
If the last time you used or paid on this credit card debt was in 2013, the creditor has easily avoided any problems with the statute of limitations, which is 6 years in Nevada. Maybe if they had waited until 2018 to file suit, then you would have been able to use the SOL as a defense.
Answer Applies to: Nevada
Replied: 8/14/2015
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    Yes. Every state has a statute of limitations defense. In California it is 4 years from the last transaction, (payment or charge). You can look your state and find the time requirement.
    Answer Applies to: California
    Replied: 8/14/2015
    Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
    In the State of Wisconsin, there is a six-year statute of limitations for most debt. The 6-year period starts over with every payment you make, or any letter you write to the creditor which acknowledges the debt. It sort of sounds like the law is made to favour banks, doesn't it? An argument can be made that making relatively easy for creditors to collect on debt encourages the granting of more credit.
    Answer Applies to: Wisconsin
    Replied: 8/14/2015
    Law Office of Pho Ethan Tran PLLC
    Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
    It will depend on the state, but the statute-of-limitation to file a lawsuit in Texas for a debt is 4 years.
    Answer Applies to: Texas
    Replied: 8/14/2015
    Tokarska Law Center
    Tokarska Law Center | Kathryn U. Tokarska
    In California in a breach of a written contract the statute of limitation is 4 years. It appears that SOL has not yet expired. Many creditors, if they sue, do it about 2-4 years after account goes into default.
    Answer Applies to: California
    Replied: 8/14/2015
    Edelman, Combs, Latturner & Goodwin, LLC | Daniel A. Edelman
    It is five years.
    Answer Applies to: Illinois
    Replied: 8/14/2015
    Law Office of Joshua R.I. Cohen
    Law Office of Joshua R.I. Cohen | Joshua Cohen
    Yes, the statute of limitations in Connecticut is 6 years. They can sue you if the debt is from 2013.
    Answer Applies to: Connecticut
    Replied: 8/14/2015
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