Kentucky’s statute of limitations on debt is 5 years, codified at KRS § 413.120. 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 Kentucky law gives you
Kentucky Consumer Protection Act (KRS §§ 367.110-367.300) gives you state-level protections beyond federal debt-collection law.
Kentucky requires debt buyers to establish a complete ownership chain and account documentation.
Kentucky courts enforce arbitration clauses in credit card agreements under the Federal Arbitration Act.
Cases in Kentucky are heard in Kentucky Circuit Court or District Court.
The one thing most people miss
Key fact
Kentucky has a 5-year statute of limitations on written contracts. If more than 5 years have passed since your last payment, the debt buyer may have filed suit too late.
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