Debts that are past the statute of limitations

Debts that are past the statute of limitations may be uncollectible, unreportable or capable of simple resolution.

You do not have to deal with an abusive debt collector or old debts lingering on your credit report, you may be able to eliminate these problems under fair debt laws and fair credit laws. In some situations you may even be able to sue the company violating your consumer financial rights.

Click here for a FREE* Fair Debt Case Review or call toll free 888-FDCPA-Law (888-332-7252) to request a free case review. There is no charge for the case review and the services of a fair debt lawyer or fair credit attorney may be available to you at little or no cost.

Alabama Statutes of Limitations

Contracts under seal: 10 years, (A.C. 6-2-33)

Contracts not under seal; actions on account stated and for detention of personal property or conversion: 6 years (A.C. 6-2-34)

Sale of goods under the UCC: 4 years (A.C. 7 -2- 725)

Open accounts: 3 years (A.C. 6-2-37)

Actions to recover charges by a common carrier and negligence actions; 2 years, (A.C. 6-2-38)

Actions based on fraud: 2 years (A.C. 6-2-3)

Alaska Statutes of Limitations

Action on a sealed instrument: 10 years (A.S. 09.10.40)

Action to recover real property: 10 years (A.S. 09.10.30)

Action upon written contract: 3 years (A.S. 09.10.55) Note: prior to 8/7/97 -the statute of limitations for written contracts was six years.

Action upon contract for sale: 4 years (A.S. 45.02.725) However, limitations by agreements may be reduced, but not less than one year (A.S. 45.02.725).

Arizona Statutes of Limitation

Written contracts: 6 years, runs from date creditor could have sued account.

Oral debts, stated or opens accounts: 3 years.

Actions for fraud or mistake: 3 years from the date of the discovery of the fraud or mistake.

Actions involving fiduciary bonds, out of state instruments and foreign judgments: 4 years. NOTE: Arizona applies its own statute of limitations to foreign judgments rather than that of the state that originally rendered the judgment whether the judgment is being domesticated under the Uniform Enforcement of Foreign Judgments Act or pursuant to a separate action on the foreign judgment.

An Arizona judgment must be renewed within five years of the date of the judgment.

Arkansas Statutes of Limitations

Written contracts: 5 years, NOTE: Partial payment or written acknowledgement of default stoppeds this statute of limitations. (A.C.A. 16-56-111)

Contracts not in writing: 3 years, (A.C.A. 16- 56-105)

Breach of any contract for the sale of goods covered by the UCC: 4 years, (A.C.A. 4-2- 725)

Medical debts: 2 years from date services were performed or provided or from the date of the most recent partial payment for the services, whichever is later. (A.C.A. §16-56-106)

Negligence actions: 3 years after the cause of action. (A.C.A. § 16-56-105)

California Statutes of Limitation

Written agreements: 4 years, calculated from the date of breach.

Oral agreements: 2 years.

The statute of limitation is stopped only if the debtor makes a payment on the account after the expiration of the applicable limitations period.

Colorado Statutes of Limitation

Domestic and foreign judgments: 6 years and renewable each six years. Note: If for child support, maintenance or arrears the judgment (lien) stays in effect for the life the judgment without the necessity of renewal every six years.

All contract actions, including personal contracts and actions under the UCC: 3 years (C.R.S. 13-80-101), except as otherwise provided in 13-80-103.5; All claims under the Uniform Consumer Credit Code, except sections 5-5-201(5); All actions to recover, detain or convert goods or chattels, except as otherwise provided in section 13 -80-103.5.

Liquidated debt and unliquidated determinable amount of money due; Enforcement of instrument securing the payment of or evidencing any debt; Action to recover the possession of secured personal property; Arrears of rent: 6 years, (C.R.S. 13-80-103.5)