Statute of Limitations on Debt in Indiana
How long a creditor or collector has to sue you over a debt in Indiana, and whether a payment restarts the clock.
Short answer: 6 years for written contracts for the payment of money (signed after August 31, 1982), such as loans and credit agreements. 10 years for other written contracts. IC 34-11-2-9; IC 34-11-2-11
| Time limit to sue on a written contract | 6 years for written contracts for the payment of money (signed after August 31, 1982), such as loans and credit agreements. 10 years for other written contracts. Read in the Indiana Code 2026 PDF on the General Assembly site. Which section applies to a given debt can depend on Indiana case law. Source: IC 34-11-2-9; IC 34-11-2-11 |
|---|---|
| Time limit for credit cards and open accounts | 6 years for accounts and contracts not in writing. Source: IC 34-11-2-7 |
| Can a payment restart the clock? | An acknowledgment or promise to pay restarts or revives the limitations period only if it is in writing and signed by the debtor. The effect of a partial payment is not addressed in this statute. Source: IC 34-11-9-1 |
Where to get help in Indiana
- Indiana Attorney General, Consumer Protection Division (collection agency licensing: Indiana Secretary of State)
- File a complaint or claim
More Indiana debt & collections
- Wage Garnishment in Indiana
- How to Respond to a Debt Collection Lawsuit in Indiana
- What Creditors Can't Take in Indiana
- All Indiana debt & collections rules
FAQ
What is the statute of limitations on debt in Indiana?
6 years for written contracts for the payment of money (signed after August 31, 1982), such as loans and credit agreements. 10 years for other written contracts.
How long can a creditor sue on a credit card debt in Indiana?
6 years for accounts and contracts not in writing.
Does making a payment restart the statute of limitations in Indiana?
An acknowledgment or promise to pay restarts or revives the limitations period only if it is in writing and signed by the debtor.
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.