Once the statute of limitations expires, a creditor loses the right to sue you to collect a debt. Select your state, debt type, and last payment date to see where you stand — and what can restart the clock.
General information only. SOL laws are complex, vary by contract terms and debt category, and change over time. The data below uses commonly cited state SOL periods as of early 2025; they may have changed. Always verify with a licensed attorney in your state before taking any action based on SOL timing.