Statute of Limitations on Debt in Ohio
How long a creditor or collector has to sue you over a debt in Ohio, and whether a payment restarts the clock.
Short answer: 6 years for an action on a written contract. For a consumer debt (personal, family or household purposes) the period is 6 years whether or not the agreement is in writing, and it starts 30 days after the later of the last charge or the last payment by the consumer. Ohio Rev. Code 2305.06; 2305.07(C)
| Time limit to sue on a written contract | 6 years for an action on a written contract. For a consumer debt (personal, family or household purposes) the period is 6 years whether or not the agreement is in writing, and it starts 30 days after the later of the last charge or the last payment by the consumer. Written-contract section: https://codes.ohio.gov/ohio-revised-code/section-2305.06. Both periods were shortened by S.B. 13 (134th GA), effective June 16, 2021. |
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| Time limit for credit cards and open accounts | Consumer credit accounts and accounts stated, including credit cards used for personal or household purposes: 6 years, starting 30 days after the last charge or payment, whichever is later. Other contracts not in writing (oral contracts): 4 years. Source: Ohio Rev. Code 2305.07(A), (C) |
| Can a payment restart the clock? | Yes. If a payment is made on a contract debt, or the debtor signs a written acknowledgment or promise to pay, the creditor may sue within the full limitations period counted from that payment, acknowledgment or promise. Source: Ohio Rev. Code 2305.08 |
Where to get help in Ohio
More Ohio debt & collections
- Wage Garnishment in Ohio
- How to Respond to a Debt Collection Lawsuit in Ohio
- What Creditors Can't Take in Ohio
- All Ohio debt & collections rules
FAQ
What is the statute of limitations on debt in Ohio?
6 years for an action on a written contract. For a consumer debt (personal, family or household purposes) the period is 6 years whether or not the agreement is in writing, and it starts 30 days after the later of the last charge or the last payment by the consumer.
How long can a creditor sue on a credit card debt in Ohio?
Consumer credit accounts and accounts stated, including credit cards used for personal or household purposes: 6 years, starting 30 days after the last charge or payment, whichever is later. Other contracts not in writing (oral contracts): 4 years.
Does making a payment restart the statute of limitations in Ohio?
Yes. If a payment is made on a contract debt, or the debtor signs a written acknowledgment or promise to pay, the creditor may sue within the full limitations period counted from that payment, acknowledgment or promise.
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.