debt · federal
Statute of Limitations on Debt (General Rule)
State-specific civil codes
Debts become 'time-barred' after the statute of limitations expires (typically 3-10 years depending on state and debt type). Making a payment or acknowledging the debt in writing can restart the clock. Time-barred debts may still appear on credit reports for up to 7 years.
statute of limitationsold debttime-barredzombie debt