Statute of Limitations on Debt in New Jersey
How long a creditor or collector has to sue you over a debt in New Jersey, and whether a payment restarts the clock.
Short answer: 6 years for a contract claim, written or oral (express or implied, not under seal). N.J.S.A. 2A:14-1
| Time limit to sue on a written contract | 6 years for a contract claim, written or oral (express or implied, not under seal). Source: N.J.S.A. 2A:14-1 |
|---|---|
| Time limit for credit cards and open accounts | 6 years, the same as other contract claims. Source: N.J.S.A. 2A:14-1 |
More New Jersey debt & collections
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- How to Respond to a Debt Collection Lawsuit in New Jersey
- What Creditors Can't Take in New Jersey
- Medical Debt Protections in New Jersey
- All New Jersey debt & collections rules
FAQ
What is the statute of limitations on debt in New Jersey?
6 years for a contract claim, written or oral (express or implied, not under seal).
How long can a creditor sue on a credit card debt in New Jersey?
6 years, the same as other contract claims.
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.