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Statute Of Limitations For
Debt Collection and Judgement Collection

Sometimes to a judgment debtor it can seem like a money judgment lasts for an eternity. Actually it only seems like eternity. The truth is that court judgments do eventually expire. Exactly when a judgment expires depends upon the judgment laws for the jurisdiction the judgment is from. From state to state there is a post judgement statute of limitations.

Did you ever own an unpaid money judgment and wonder how long it will last? A civil judgment in New Mexico may not have the same length of life as a similar judgment from New Hampshire. Within its judgment law every state has its own statute of limitations on the life of a judgment.

Anyone who owns an uncollected judgment needs to know how long the judgment will survive before it legally expires. Naturally a judgment creditor has a serious vested interest in knowing this information. It could be a big mess if a judgment creditor continued to pursue collection activities against his judgment debtor if the judgment was no longer alive and kicking.

No judgment owner ever needs to give the debtor a valid reason to file any kind of suit based upon an illegal collection practice for continuing to try enforcing an out of date judgment.

It only makes sense for a judgment holder to be sure of when his money judgment will expire. If you own an old judgment that is still unsatisfied, you also will want to know whether your judgment can be renewed beyond the original statute of limitations. If you can renew your judgment and if you need to do so, it will be just as important for you to know what steps you have to take to successfully renew your judgment before it expires.

In some states it is possible to revive a dead judgment that didn’t get renewed prior to the expiration of the judgment statute of limitations. If you are in this sort of situation you will be interested in finding out if your state allows a revival of a judgment.

We will give you the judgement statute of limitations by state for the various states in the USA. Laws change and we can’t guarantee that this list will be 100% accurate for all of time, so go check your own state codes to confirm the current judgement statute of limitations for your own judgment.

You should find it helpful to discover the post judgment statutes of limitation for your state.

The numbers on this chart indicate years

State
Oral
Agreements
Written
Contracts
Promissory
Notes
Judgments
Alabama
6
6
6
20
Alaska
6
6
6
10
Arizona
3
6
5
5
Arkansas
3
5
6
10
California
2
4
4
10
Colorado
6
6
6
20
Connecticut
3
6
6
20
Delaware
3
3
6
No Limit
D.C.
3
3
3
3
Florida
4
5
5
20
Georgia
4
6
6
7
Hawaii
6
6
6
10
Idaho
4
5
10
6
Illinois
5
10
6
20
Indiana
6
10
10
20
Iowa
5
10
5
20
Kansas
3
5
5
5
Kentucky
5
15
15
15
Louisiana
10
10
10
10
Maine
6
6
6
20
Maryland
3
3
6
12
Massachusetts
6
6
6
20
Michigan
6
6
6
10
Minnesota
6
6
6
10
Mississippi
3
3
3
7
Missouri
5
10
10
10
Montana
5
8
8
10
Nebraska
4
5
6
5
Nevada
4
6
3
6
New Hampshire
3
3
6
20
New Jersey
6
6
6
20
New Mexico
4
6
6
14
New York
6
6
6
20
North Carolina
3
3
5
10
North Dakota
6
6
6
10
Ohio
6
15
15
21
Oklahoma
3
5
5
5
Oregon
6
6
6
10
Pennsylvania
4
6
4
4
Rhode Island
15
15
10
20
South Carolina
10
10
3
10
South Dakota
6
6
6
20
Tennessee
6
6
6
10
Texas
4
4
4
10
Utah
4
6
6
8
Vermont
6
6
5
8
Virginia
3
5
6
20
Washington
3
6
6
10
West Virginia
5
10
6
10
Wisconsin
6
6
10
20
Wyoming
8
10
10
5
 
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