Statute of Limitations on Debt in Oklahoma
How long a creditor or collector has to sue you over a debt in Oklahoma, and whether a payment restarts the clock.
Short answer: 5 years for an action on a contract, agreement or promise in writing. 12 O.S. 95(A)(1)
| Time limit to sue on a written contract | 5 years for an action on a contract, agreement or promise in writing. Source: 12 O.S. 95(A)(1) |
|---|---|
| Time limit for credit cards and open accounts | 3 years for a contract, express or implied, that is not in writing (including oral agreements). Oklahoma has no separate statute for credit card or open accounts; which period applies depends on whether the agreement is a written contract. Source: 12 O.S. 95(A)(2) |
| Can a payment restart the clock? | Yes. In a contract case, if any part of the principal or interest is paid, or the debtor acknowledges the debt or promises to pay it, a new full limitations period runs from that payment, acknowledgment or promise. An acknowledgment or promise must be in writing and signed by the debtor. Source: 12 O.S. 101 |
Where to get help in Oklahoma
More Oklahoma debt & collections
- Wage Garnishment in Oklahoma
- How to Respond to a Debt Collection Lawsuit in Oklahoma
- What Creditors Can't Take in Oklahoma
- Medical Debt Protections in Oklahoma
- All Oklahoma debt & collections rules
FAQ
What is the statute of limitations on debt in Oklahoma?
5 years for an action on a contract, agreement or promise in writing.
How long can a creditor sue on a credit card debt in Oklahoma?
3 years for a contract, express or implied, that is not in writing (including oral agreements). Oklahoma has no separate statute for credit card or open accounts; which period applies depends on whether the agreement is a written contract.
Does making a payment restart the statute of limitations in Oklahoma?
Yes. In a contract case, if any part of the principal or interest is paid, or the debtor acknowledges the debt or promises to pay it, a new full limitations period runs from that payment, acknowledgment or promise. An acknowledgment or promise must be in writing and signed by the debtor.
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.