Statute of Limitations on Debt in Utah
How long a creditor or collector has to sue you over a debt in Utah, and whether a payment restarts the clock.
Short answer: 6 years for an action on a contract, obligation or liability founded on an instrument in writing. For a credit agreement, the 6 years run from the latest of when the debt arose, the debtor's last written acknowledgment or promise to pay, or the last payment by the debtor or a third party. Utah Code 78B-2-309(1)(b), (2)
| Time limit to sue on a written contract | 6 years for an action on a contract, obligation or liability founded on an instrument in writing. For a credit agreement, the 6 years run from the latest of when the debt arose, the debtor's last written acknowledgment or promise to pay, or the last payment by the debtor or a third party. Source: Utah Code 78B-2-309(1)(b), (2) |
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| Time limit for credit cards and open accounts | 4 years after the last charge or last payment for a contract not founded on a written instrument (oral contracts), an open store account for goods, or an open account for work, labor, services or materials. Source: Utah Code 78B-2-307(1) |
| Can a payment restart the clock? | Yes. A suit to recover a debt may be brought within the limitations period counted from the date the debt arose, the date the debtor makes a written acknowledgment or promise to pay, or the date the debtor makes a payment. Source: Utah Code 78B-2-113(1) |
Where to get help in Utah
More Utah debt & collections
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FAQ
What is the statute of limitations on debt in Utah?
6 years for an action on a contract, obligation or liability founded on an instrument in writing. For a credit agreement, the 6 years run from the latest of when the debt arose, the debtor's last written acknowledgment or promise to pay, or the last payment by the debtor or a third party.
How long can a creditor sue on a credit card debt in Utah?
4 years after the last charge or last payment for a contract not founded on a written instrument (oral contracts), an open store account for goods, or an open account for work, labor, services or materials.
Does making a payment restart the statute of limitations in Utah?
Yes. A suit to recover a debt may be brought within the limitations period counted from the date the debt arose, the date the debtor makes a written acknowledgment or promise to pay, or the date the debtor makes a payment.
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.