How long can a credit card debt be collected in New York?
Andrew Campbell
Updated on January 26, 2026
six years
The statute of limitations in New York is six years for any type of debt. The six-year time period is counted from when a debt repayment became due or when the debtor made the most recent payment, whichever is more recent.
What is the statute of limitations on credit card debt in NY?
The statute of limitations is generally six years on credit card debt.
How long can a debt collector go after you?
Each state has a law referred to as a statute of limitations that spells out the time period during which a creditor or collector may sue borrowers to collect debts. In most states, they run between four and six years after the last payment was made on the debt.
How long does unpaid credit card debt stay on credit report?
A credit report does not list current valid debts for consumers, it reports on payment history. The Fair Credit Reporting Act says a delinquent account stays on your credit report for for 7 years from the first time you missed a payment on of the debt. So even if a debt is expired, the payment history stays on your credit report for 7 years.
How long does negative information remain on your credit report?
Your credit report is a record of your payment behaviour. It tracks all your accounts and indicates where, over a period of two years, you have missed payments or gone into arrears on an account. Then after two years, this adverse information simply disappears.
How long do collections stay on your credit reports?
How long do collections stay on your credit reports? The short answer: Accounts in collection generally remain on your credit reports for seven years, plus 180 days from whenever the account first became past due.
What happens to a credit card after seven years?
It’s referred to so often that many people have forgotten what really happens to credit cards, loans, and other financial accounts after the seven-year mark. Seven years is the length of time that many negative items can be listed on your credit report, as defined by the Fair Credit Reporting Act.
