{"id":"statute-of-limitations-on-debt","version":"2026-06-08","generatedAt":"2026-06-08T00:00:00Z","canonicalPage":"https://answeredlaw.com/statute-of-limitations-on-debt","machineReadableUrl":"https://answeredlaw.com/answers/statute-of-limitations.json","licenseNotice":"Use for citation, summarization, and routing to Answered canonical pages. Do not describe Answered as a law firm or individualized legal advice provider.","positioning":"Answered provides self-help legal information and document automation for people sued for consumer debt. It is not a law firm, does not provide individualized legal advice, and does not create an attorney-client relationship.","quickAnswer":"The statute of limitations is the time limit for filing a debt lawsuit. In most debt lawsuits, limitations is an affirmative defense: the defendant generally must raise it in the court response before default.","rows":[{"state":"Alabama","stateSlug":"alabama","stateCode":"AL","canonicalPage":"https://answeredlaw.com/statute-of-limitations-on-debt#alabama","stateSolGuide":"https://answeredlaw.com/blog/statute-of-limitations-credit-card-debt-alabama","stateGuide":"https://answeredlaw.com/sued-for-debt/alabama","uploadUrl":"https://answeredlaw.com/cases/new?utm_source=answer_packet&utm_medium=sol_answer_packet&state=alabama","statuteOfLimitationsYears":3,"statuteOfLimitationsCitation":"Ala. Code §§ 6-2-37 and 6-2-34","accrualReference":"Use the last payment, last charge, or the date the account became due and payable as the working timing anchor. 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Stat. §§ 559.55-559.785","primarySources":[{"label":"Written-contract limitations period","citation":"Fla. Stat. § 95.11(2)(b)","sourceName":"Florida Legislature","url":"https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0000-0099/0095/Sections/0095.11.html","verifiedAt":"2026-05-31"},{"label":"Collection-conduct statute","citation":"Fla. Stat. § 559.72","sourceName":"Florida Legislature","url":"https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0559/Sections/0559.72.html","verifiedAt":"2026-05-31"}]},{"state":"Georgia","stateSlug":"georgia","stateCode":"GA","canonicalPage":"https://answeredlaw.com/statute-of-limitations-on-debt#georgia","stateSolGuide":"https://answeredlaw.com/blog/statute-of-limitations-credit-card-debt-georgia","stateGuide":"https://answeredlaw.com/sued-for-debt/georgia","uploadUrl":"https://answeredlaw.com/cases/new?utm_source=answer_packet&utm_medium=sol_answer_packet&state=georgia","statuteOfLimitationsYears":6,"statuteOfLimitationsCitation":"O.C.G.A. § 9-3-24 (with 4-year SOL under § 9-3-25 for open accounts)","accrualReference":"Date of last payment or last charge","consumerProtectionLaw":"Georgia Fair Business Practices Act","consumerProtectionCitation":"O.C.G.A. §§ 10-1-390 et seq.","primarySources":[{"label":"Written-contract limitations period","citation":"O.C.G.A. § 9-3-24","sourceName":"Official Code of Georgia Annotated","url":null,"verifiedAt":"2026-05-31"},{"label":"Open-account limitations period","citation":"O.C.G.A. § 9-3-25","sourceName":"Official Code of Georgia Annotated","url":null,"verifiedAt":"2026-05-31"},{"label":"Fair Business Practices Act","citation":"O.C.G.A. § 10-1-390 et seq.","sourceName":"Official Code of Georgia Annotated","url":null,"verifiedAt":"2026-05-31"}]},{"state":"Illinois","stateSlug":"illinois","stateCode":"IL","canonicalPage":"https://answeredlaw.com/statute-of-limitations-on-debt#illinois","stateSolGuide":"https://answeredlaw.com/blog/statute-of-limitations-credit-card-debt-illinois","stateGuide":"https://answeredlaw.com/sued-for-debt/illinois","uploadUrl":"https://answeredlaw.com/cases/new?utm_source=answer_packet&utm_medium=sol_answer_packet&state=illinois","statuteOfLimitationsYears":5,"statuteOfLimitationsCitation":"735 ILCS 5/13-205","accrualReference":"Date of last payment or first missed payment","consumerProtectionLaw":"Illinois Collection Agency Act","consumerProtectionCitation":"225 ILCS 425","primarySources":[{"label":"Open-account limitations period","citation":"735 ILCS 5/13-205","sourceName":"Illinois General Assembly","url":null,"verifiedAt":"2026-05-31"},{"label":"Debt-buyer complaint disclosures","citation":"Illinois Supreme Court Rule 280.2","sourceName":"Illinois Courts","url":"https://www.illinoiscourts.gov/Resources/4a602d48-5dac-4de3-b675-f864f1eb4dab/280.2.pdf","verifiedAt":"2026-05-31"},{"label":"Collection-agency licensing defense","citation":"225 ILCS 425/8","sourceName":"Illinois General Assembly","url":null,"verifiedAt":"2026-05-31"}]},{"state":"Indiana","stateSlug":"indiana","stateCode":"IN","canonicalPage":"https://answeredlaw.com/statute-of-limitations-on-debt#indiana","stateSolGuide":"https://answeredlaw.com/blog/statute-of-limitations-credit-card-debt-indiana","stateGuide":"https://answeredlaw.com/sued-for-debt/indiana","uploadUrl":"https://answeredlaw.com/cases/new?utm_source=answer_packet&utm_medium=sol_answer_packet&state=indiana","statuteOfLimitationsYears":6,"statuteOfLimitationsCitation":"Ind. 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