Statute of Limitations on Debt in Minnesota
How long a creditor or collector has to sue you over a debt in Minnesota, and whether a payment restarts the clock.
Short answer: 6 years for consumer debts (personal, family or household) and for contract actions generally. Minn. Stat. § 541.053; § 541.05
| Time limit to sue on a written contract | 6 years for consumer debts (personal, family or household) and for contract actions generally. § 541.05: https://www.revisor.mn.gov/statutes/cite/541.05 Source: Minn. Stat. § 541.053; § 541.05 |
|---|---|
| Time limit for credit cards and open accounts | 6 years for any consumer debt, including credit cards. Source: Minn. Stat. § 541.053 |
| Can a payment restart the clock? | For consumer debt, once the 6-year period has expired it is not revived by collecting a payment, by a bankruptcy discharge, or by an oral or written reaffirmation of the debt. Whether a payment made before the period expires restarts it is not addressed by § 541.053. Source: Minn. Stat. § 541.053 |
Where to get help in Minnesota
- Minnesota Attorney General's Office (consumer complaints); Minnesota Department of Commerce (licenses collection agencies)
- File a complaint or claim
More Minnesota debt & collections
- Wage Garnishment in Minnesota
- How to Respond to a Debt Collection Lawsuit in Minnesota
- What Creditors Can't Take in Minnesota
- Medical Debt Protections in Minnesota
- All Minnesota debt & collections rules
FAQ
What is the statute of limitations on debt in Minnesota?
6 years for consumer debts (personal, family or household) and for contract actions generally.
How long can a creditor sue on a credit card debt in Minnesota?
6 years for any consumer debt, including credit cards.
Does making a payment restart the statute of limitations in Minnesota?
For consumer debt, once the 6-year period has expired it is not revived by collecting a payment, by a bankruptcy discharge, or by an oral or written reaffirmation of 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.