Statute of Limitations on Debt in Kentucky
How long a creditor or collector has to sue you over a debt in Kentucky, and whether a payment restarts the clock.
Short answer: 10 years to sue on a written contract signed after July 15, 2014. 15 years for written contracts signed on or before that date. KRS 413.160; KRS 413.090(2)
| Time limit to sue on a written contract | 10 years to sue on a written contract signed after July 15, 2014. 15 years for written contracts signed on or before that date. KRS 413.090: https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=43545 Source: KRS 413.160; KRS 413.090(2) |
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| Time limit for credit cards and open accounts | 5 years for a contract that is not in writing (an oral agreement). Kentucky's statutes do not set a separate period for credit cards or open accounts. Whether a credit card or open account is treated as a written contract (10 or 15 years) or an unwritten one (5 years) depends on the documents and on court decisions. Source: KRS 413.120(1) |
Where to get help in Kentucky
More Kentucky debt & collections
- Wage Garnishment in Kentucky
- How to Respond to a Debt Collection Lawsuit in Kentucky
- What Creditors Can't Take in Kentucky
- All Kentucky debt & collections rules
FAQ
What is the statute of limitations on debt in Kentucky?
10 years to sue on a written contract signed after July 15, 2014. 15 years for written contracts signed on or before that date.
How long can a creditor sue on a credit card debt in Kentucky?
5 years for a contract that is not in writing (an oral agreement). Kentucky's statutes do not set a separate period for credit cards or open accounts.
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.