Statute of Limitations on Debt in South Carolina
How long a creditor or collector has to sue you over a debt in South Carolina, and whether a payment restarts the clock.
Short answer: 3 years for an action on a contract, obligation or liability, express or implied (written or oral). Instruments under seal are excepted. S.C. Code 15-3-530(1); 15-3-520
| Time limit to sue on a written contract | 3 years for an action on a contract, obligation or liability, express or implied (written or oral). Instruments under seal are excepted. Source: S.C. Code 15-3-530(1); 15-3-520 |
|---|---|
| Time limit for credit cards and open accounts | 3 years, the same as written contracts; South Carolina uses one period for contracts express or implied. Source: S.C. Code 15-3-530(1) |
| Can a payment restart the clock? | Yes. A written acknowledgment or promise signed by the debtor, or a payment of any part of the principal or interest (which the law treats as a written promise), prevents the limitations bar. The suit is then brought on the original debt. Source: S.C. Code 15-3-120, 15-3-130 |
Where to get help in South Carolina
More South Carolina debt & collections
- Wage Garnishment in South Carolina
- How to Respond to a Debt Collection Lawsuit in South Carolina
- What Creditors Can't Take in South Carolina
- All South Carolina debt & collections rules
FAQ
What is the statute of limitations on debt in South Carolina?
3 years for an action on a contract, obligation or liability, express or implied (written or oral). Instruments under seal are excepted.
How long can a creditor sue on a credit card debt in South Carolina?
3 years, the same as written contracts; South Carolina uses one period for contracts express or implied.
Does making a payment restart the statute of limitations in South Carolina?
Yes. A written acknowledgment or promise signed by the debtor, or a payment of any part of the principal or interest (which the law treats as a written promise), prevents the limitations bar. The suit is then brought on the original debt.
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.