Statute of Limitations on Debt in Massachusetts
How long a creditor or collector has to sue you over a debt in Massachusetts, and whether a payment restarts the clock.
Short answer: 6 years for contract actions, express or implied, written or oral. 20 years for contracts under seal. M.G.L. c. 260, § 2; c. 260, § 1
| Time limit to sue on a written contract | 6 years for contract actions, express or implied, written or oral. 20 years for contracts under seal. § 1: https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleV/Chapter260/Section1 Source: M.G.L. c. 260, § 2; c. 260, § 1 |
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| Time limit for credit cards and open accounts | 6 years, the same general contract period. Source: M.G.L. c. 260, § 2 |
| Can a payment restart the clock? | An acknowledgment or new promise extends the time to sue on a contract only if it is made in, or contained in, a writing signed by the person who owes the debt. Source: M.G.L. c. 260, § 13 |
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FAQ
What is the statute of limitations on debt in Massachusetts?
6 years for contract actions, express or implied, written or oral. 20 years for contracts under seal.
How long can a creditor sue on a credit card debt in Massachusetts?
6 years, the same general contract period.
Does making a payment restart the statute of limitations in Massachusetts?
An acknowledgment or new promise extends the time to sue on a contract only if it is made in, or contained in, a writing signed by the person who owes the debt.
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.