Statute of Limitations on Debt in Vermont
How long a creditor or collector has to sue you over a debt in Vermont, and whether a payment restarts the clock.
Short answer: 6 years. Vermont's general civil-action limitations period (six years after the claim accrues) applies to contract debts, written or oral. 12 V.S.A. 511
| Time limit to sue on a written contract | 6 years. Vermont's general civil-action limitations period (six years after the claim accrues) applies to contract debts, written or oral. Source: 12 V.S.A. 511 |
|---|---|
| Time limit for credit cards and open accounts | 6 years, the same general period. Source: 12 V.S.A. 511 |
| Can a payment restart the clock? | An acknowledgment or promise to pay affects the limitations defense only if it is in writing and signed by the debtor. The limitations chapter does not take away the effect of a payment of principal or interest. Payment provision: https://legislature.vermont.gov/statutes/section/12/023/00592 Source: 12 V.S.A. 591, 592 |
Where to get help in Vermont
More Vermont debt & collections
- Wage Garnishment in Vermont
- How to Respond to a Debt Collection Lawsuit in Vermont
- What Creditors Can't Take in Vermont
- Medical Debt Protections in Vermont
- All Vermont debt & collections rules
FAQ
What is the statute of limitations on debt in Vermont?
6 years. Vermont's general civil-action limitations period (six years after the claim accrues) applies to contract debts, written or oral.
How long can a creditor sue on a credit card debt in Vermont?
6 years, the same general period.
Does making a payment restart the statute of limitations in Vermont?
An acknowledgment or promise to pay affects the limitations defense only if it is in writing and signed by the debtor. The limitations chapter does not take away the effect of a payment of principal or interest.
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.