The statute of limitations on debt in Wisconsin is six years for credit card debt and most contracts, measured from your last payment. Wisconsin also treats an expired debt more strictly than most states.

The statute of limitations on debt in Minnesota is six years for nearly every type of debt, including credit cards, measured from your last payment. Minnesota applies one window across debt types.

The statute of limitations on debt in South Carolina is three years for nearly every type of debt, including credit cards, measured from your last payment. South Carolina applies one short window across debt types.

The statute of limitations on debt in Alabama is three years for credit card debt and open accounts, and six years for other written contracts, measured from your last payment.

The statute of limitations on debt in Louisiana is three years for credit card debt and open accounts, and ten years for written contracts, measured from your last payment. Louisiana calls this window “prescription” under its civil-law system.

The statute of limitations on debt in North Carolina is three years for most debt, including credit cards, measured from your last payment. North Carolina pairs a short window with strong wage protections.

The statute of limitations on debt in Ohio is six years for written contracts and credit card debt, measured from your last payment, after a 2021 law shortened the older window. The limit depends on the type of debt.

The statute of limitations on debt in Tennessee is six years for most debt, including credit cards and open accounts, measured from your last payment. Tennessee applies one window to the debt consumers carry most.

The statute of limitations on debt in Virginia is three years for open accounts and unwritten agreements, and five years for signed written contracts, measured from your last payment. Credit card debt can fall under either, depending on the paperwork.

The statute of limitations on debt in Washington is six years for written contracts and credit card debt, and three years for oral agreements, measured from your last payment. The limit depends on the type of debt.