S.O.L. is the time in which you may be sued over a subject/topic/event. There are specific rules that must be followed in order for these years of statute of limitations is applicable. Check out my video for a deeper explanation and contact a lawyer for advice before acting on any of the information provided.
Statutes of limitations for each state (in number of years) |
||||
State
|
Written contracts
|
Oral contracts
|
Promissory notes
|
Open-ended accounts
(including credit cards)
|
Alabama
|
3
|
6
|
6
|
3
|
Alaska
|
3
|
6
|
3
|
3
|
Arizona
|
6
|
3
|
5
|
3
|
Arkansas
|
5
|
3
|
3
|
5
|
California
|
4
|
2
|
4
|
4
|
Colorado
|
6
|
6
|
6
|
6
|
Connecticut
|
6
|
3
|
6
|
6
|
Delaware
|
3
|
3
|
3
|
3
|
D.C.
|
3
|
3
|
3
|
3
|
Florida
|
5
|
4
|
5
|
4
|
Georgia
|
6
|
4
|
6
|
4 or 6**
|
Hawaii
|
6
|
6
|
6
|
6
|
Idaho
|
5
|
4
|
5
|
5
|
Illinois
|
10
|
5
|
10
|
5 or 10***
|
Indiana
|
10
|
6
|
10
|
6
|
Iowa
|
10
|
5
|
5
|
10
|
Kansas
|
3
|
3
|
3
|
3
|
Kentucky
|
15
|
5
|
15
|
5 or 15****
|
Louisiana
|
3
|
10
|
10
|
3
|
Maine
|
6
|
6
|
6
|
6
|
Maryland
|
3
|
3
|
6
|
3
|
Massachusetts
|
6
|
6
|
6
|
6
|
Michigan
|
6
|
6
|
6
|
6
|
Minnesota
|
6
|
6
|
6
|
6
|
Mississippi
|
3
|
3
|
3
|
3
|
Missouri
|
5
|
5
|
5
|
5
|
Montana
|
8
|
5
|
8
|
8
|
Nebraska
|
4
|
4
|
4
|
4
|
Nevada
|
4
|
4
|
4
|
4
|
New Hampshire
|
3
|
3
|
3
|
3
|
New Jersey
|
6
|
6
|
6
|
6
|
New Mexico
|
4
|
4
|
4
|
4
|
New York
|
6
|
6
|
6
|
6
|
North Carolina
|
3
|
3
|
5
|
3
|
North Dakota
|
6
|
6
|
6
|
6
|
Ohio
|
6
|
6
|
6
|
6
|
Oklahoma
|
5
|
3
|
5
|
3 or 5****
|
Oregon
|
6
|
6
|
6
|
6
|
Pennyslvania
|
4
|
4
|
4
|
4
|
Rhode Island
|
10
|
10
|
10
|
10
|
South Carolina
|
10
|
10
|
3
|
3
|
South Dakota
|
6
|
3
|
6
|
6
|
Tennessee
|
6
|
6
|
6
|
6
|
Texas
|
4
|
4
|
4
|
4
|
Utah
|
6
|
4
|
6
|
4
|
Vermont
|
5
|
3
|
6
|
3
|
Virginia
|
6
|
6
|
5
|
6
|
Washington
|
6
|
3
|
6
|
6
|
West Virginia
|
10
|
10
|
10
|
10
|
Wisconsin
|
6
|
6
|
10
|
6
|
Wyoming
|
10
|
8
|
10
|
8
|
** Georgia Court of
Appeals came out with a decision on January 24, 2008 in Hill v. American
Express that in Georgia the statute of limitations on a credit card is six
years after the amount becomes due and payable.
*** An Illinois
appeals court ruled on May 20, 2009, that the statute of limitations on a
credit card debt without a written contract was 5 years.
**** State law doesn’t
specify the limitations on open accounts.
Source: Bankrate.com
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