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Statute of Limitations


The state law that sets forth how long a creditor or collection agency can attempt to collect a debt from a person after they default on their payment obligations.

Learn more about "Statute of Limitations"

The length of time varies from state to state and typically falls somewhere between 3 - 10 years from the date of default. Note that the time can reset/restart whenever a payment is made. The Statute of Limitations can be used as a defense against a debt collection law suit. It does not impact how debt is reported on your credit report.


Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.