Sued for debt? Find your state.

Sued for Debt? Find Your State Guide

Pick your state to check the deadline, default risk, defenses, and supported self-help document path. Start free, then unlock an Answer Packet for $60or Full Defense for $99 if Answered supports your court track.

Start your defense nowCheck your debt lawsuit deadlineCompare deadlines and statutes of limitations by stateCheck the statute of limitations on debt by state

Answer Packet $60. Full Defense $99. Document Review $99 where available.

32 states

Pick your state

Don’t see yours? We’re adding new states as attorney reviews clear.

Alabama
14 days to answer · 3-year SOL
Arizona
20 days to answer · 6-year SOL
California
30 days to answer · 4-year SOL
Colorado
0 days to answer · 6-year SOL
Connecticut
30 days to answer · 6-year SOL
Florida
20 days to answer · 5-year SOL
Georgia
30 days to answer · 6-year SOL
Illinois
30 days to answer · 5-year SOL
Indiana
20 days to answer · 6-year SOL
Iowa
20 days to answer · 5-year SOL
Kentucky
20 days to answer · 5-year SOL
Louisiana
21 days to answer · 3-year SOL
Maryland
15 days to answer · 3-year SOL
Massachusetts
20 days to answer · 6-year SOL
Michigan
21 days to answer · 6-year SOL
Minnesota
20 days to answer · 6-year SOL
Missouri
30 days to answer · 5-year SOL
Nevada
21 days to answer · 4-year SOL
New Jersey
35 days to answer · 6-year SOL
New York
20 days to answer · 3-year SOL
North Carolina
30 days to answer · 3-year SOL
Ohio
28 days to answer · 6-year SOL
Oklahoma
20 days to answer · 5-year SOL
Oregon
30 days to answer · 6-year SOL
Pennsylvania
20 days to answer · 4-year SOL
South Carolina
30 days to answer · 3-year SOL
Tennessee
30 days to answer · 6-year SOL
Texas
14 days to answer · 4-year SOL
Utah
21 days to answer · 6-year SOL
Virginia
21 days to answer · 3-year SOL
Washington
20 days to answer · 6-year SOL
Wisconsin
20 days to answer · 6-year SOL

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This page provides general information only. It is not legal advice and does not create an attorney-client relationship. Statutes and procedural rules change. Always verify deadlines with your court clerk or a licensed attorney in your state.