Statute of Limitations on Debt in Arkansas
How long a creditor or collector has to sue you over a debt in Arkansas, and whether a payment restarts the clock.
Short answer: 5 years for actions to enforce written obligations, such as a signed loan or credit agreement. Ark. Code Ann. § 16-56-111
| Time limit to sue on a written contract | 5 years for actions to enforce written obligations, such as a signed loan or credit agreement. Official code published only via LexisNexis; text verified on a public mirror (FindLaw, current as of March 28, 2024). 2025 session amendments, if any, would not show on this mirror. Source: Ark. Code Ann. § 16-56-111 |
|---|---|
| Time limit for credit cards and open accounts | 3 years for contracts not in writing, such as oral agreements and open accounts. Public mirror (FindLaw). Source: Ark. Code Ann. § 16-56-105 |
| Can a payment restart the clock? | Yes. For written obligations, a partial payment or a written acknowledgment of the debt restarts the limitations period. Public mirror (FindLaw). Source: Ark. Code Ann. § 16-56-111 |
Where to get help in Arkansas
- Arkansas Attorney General, Public Protection Department (collection agency licensing: Arkansas State Board of Collection Agencies)
- File a complaint or claim
More Arkansas debt & collections
- Wage Garnishment in Arkansas
- How to Respond to a Debt Collection Lawsuit in Arkansas
- What Creditors Can't Take in Arkansas
- All Arkansas debt & collections rules
FAQ
What is the statute of limitations on debt in Arkansas?
5 years for actions to enforce written obligations, such as a signed loan or credit agreement.
How long can a creditor sue on a credit card debt in Arkansas?
3 years for contracts not in writing, such as oral agreements and open accounts.
Does making a payment restart the statute of limitations in Arkansas?
Yes. For written obligations, a partial payment or a written acknowledgment of the debt restarts the limitations period.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.