Indiana’s statute of limitations on debt is 6 years, codified at Ind. Code § 34-11-2-9. The clock typically runs from: date of last payment.
If the time-bar has run, the debt may not be legally collectible in court — but you generally have to raise the defense yourself. It is not raised automatically.
Your rights
What Indiana law gives you
Indiana Debt Collection Act (Ind. Code §§ 24-4.5-1-101 et seq.) gives you state-level protections beyond federal debt-collection law.
Indiana's Debt Collection Act (IC 24-5-15.5, effective January 1, 2020) requires debt buyers to attach assignment documentation to complaints filed on or after that date.
Indiana courts enforce arbitration clauses in credit card agreements under the Federal Arbitration Act.
Cases in Indiana are heard in Indiana Circuit Court or Superior Court.
The one thing most people miss
Key fact
Indiana's 6-year statute of limitations on written contracts is favorable to defendants. Indiana also passed the Debt Collection Act in 2020, which requires debt buyers to attach assignment documents to their complaint.
Get started
Answered builds your defense documents — free
Upload your summons. We find the weaknesses, track your deadlines, and draft your court-ready Answer.