How Long Does a Creditor Have to Sue on a Debt?

To find out, you would simply Google your state and then search for ‘statute of limitations on debt’. The clock starts running per the date of your last payment.

I live in Indiana; my statute of limitations is six years on an open account and written contract. Any last payments I made to any accounts from April 9, 2003 are now considered time barred per the statute of limitations to collect debt in Indiana.

If you are being sued and you know that the debt is past the statute of limitations, check your court rules to see how to write up a motion to dismiss by reason of your court’s rule.



Additional Information


  • avatar this is very helpful but was wondring

    “Were can I find the actual leagal documentaion proving Indiana is 6 years???? Thanks.”


    avatar Admin

    “IC 34-11-2-7
    Six year limitation
    Sec. 7. The following actions must be commenced within six (6) years after the cause of action accrues:
    (1) Actions on accounts and contracts not in writing.
    (2) Actions for use, rents, and profits of real property.
    (3) Actions for injuries to property other than personal property, damages for detention of personal property and for recovering possession of personal property.
    (4) Actions for relief against frauds.
    As added by P.L.1-1998, SEC.6.”