Statute of Limitations on Debt in Montana
How long a creditor or collector has to sue you over a debt in Montana, and whether a payment restarts the clock.
Short answer: 6 years for an action on a contract or obligation founded on a written instrument. Mont. Code Ann. § 27-2-202(1)
| Time limit to sue on a written contract | 6 years for an action on a contract or obligation founded on a written instrument. The written-contract period was previously 8 years; it was changed by 2023 and 2025 amendments. Source: Mont. Code Ann. § 27-2-202(1) |
|---|---|
| Time limit for credit cards and open accounts | 5 years for a contract, account or promise not founded on a written instrument. Source: Mont. Code Ann. § 27-2-202(2) |
| Can a payment restart the clock? | Yes. A written, signed acknowledgment of the debt or a partial payment (any payment of principal or interest) starts the limitations period running again. Source: Mont. Code Ann. § 27-2-409 |
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FAQ
What is the statute of limitations on debt in Montana?
6 years for an action on a contract or obligation founded on a written instrument.
How long can a creditor sue on a credit card debt in Montana?
5 years for a contract, account or promise not founded on a written instrument.
Does making a payment restart the statute of limitations in Montana?
Yes. A written, signed acknowledgment of the debt or a partial payment (any payment of principal or interest) starts the limitations period running again.
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.