Statute of Limitations on Debt in Rhode Island
How long a creditor or collector has to sue you over a debt in Rhode Island, and whether a payment restarts the clock.
Short answer: 10 years. Rhode Island's general civil limitations period covers contract claims, written or oral. Contracts under seal have 20 years. R.I. Gen. Laws 9-1-13(a); 9-1-17
| Time limit to sue on a written contract | 10 years. Rhode Island's general civil limitations period covers contract claims, written or oral. Contracts under seal have 20 years. Sealed contracts: http://webserver.rilegislature.gov/Statutes/TITLE9/9-1/9-1-17.htm Source: R.I. Gen. Laws 9-1-13(a); 9-1-17 |
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| Time limit for credit cards and open accounts | 10 years, the same general civil period that applies to written contracts. Source: R.I. Gen. Laws 9-1-13(a) |
Where to get help in Rhode Island
- Rhode Island Department of Business Regulation, Banking Division (registers debt collectors)
- File a complaint or claim
More Rhode Island debt & collections
- Wage Garnishment in Rhode Island
- How to Respond to a Debt Collection Lawsuit in Rhode Island
- What Creditors Can't Take in Rhode Island
- Medical Debt Protections in Rhode Island
- All Rhode Island debt & collections rules
FAQ
What is the statute of limitations on debt in Rhode Island?
10 years. Rhode Island's general civil limitations period covers contract claims, written or oral. Contracts under seal have 20 years.
How long can a creditor sue on a credit card debt in Rhode Island?
10 years, the same general civil period that applies to written contracts.
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.