Statute of Limitations on Debt in Pennsylvania
How long a creditor or collector has to sue you over a debt in Pennsylvania, and whether a payment restarts the clock.
Short answer: 4 years for an action on a contract, obligation or liability founded on a writing. A written instrument under seal has a 20-year limit. 42 Pa.C.S. 5525(a)(8); 5529(b)(1)
| Time limit to sue on a written contract | 4 years for an action on a contract, obligation or liability founded on a writing. A written instrument under seal has a 20-year limit. 20-year rule: https://www.palegis.us/statutes/consolidated/view-statute?txtType=PDF&ttl=42&div=0&chapter=55§ion=29&subsctn=0 |
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| Time limit for credit cards and open accounts | 4 years, the same as written contracts; oral (express) contracts not founded on a writing also have a 4-year limit. Source: 42 Pa.C.S. 5525(a)(3) |
Where to get help in Pennsylvania
More Pennsylvania debt & collections
- Wage Garnishment in Pennsylvania
- How to Respond to a Debt Collection Lawsuit in Pennsylvania
- What Creditors Can't Take in Pennsylvania
- All Pennsylvania debt & collections rules
FAQ
What is the statute of limitations on debt in Pennsylvania?
4 years for an action on a contract, obligation or liability founded on a writing. A written instrument under seal has a 20-year limit.
How long can a creditor sue on a credit card debt in Pennsylvania?
4 years, the same as written contracts; oral (express) contracts not founded on a writing also have a 4-year limit.
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.