How long can a creditor collect on a debt in Mississippi?
Jackson Reed
Updated on February 20, 2026
3 years
Understanding Mississippi’s statute of limitations
| Mississippi Statute of Limitations on Debt | |
|---|---|
| Mortgage debt | 3 years |
| Credit card | 3 years |
| Auto loan debt | 6 years |
| State tax debt | 7 years |
What is the statute of limitations on debt in MS?
three years
MIssissippi Statute of Limitations on Debt Collection Written and oral contracts, as well as promissory notes, have a statute of limitations of three years. For mortgage debt, medical debt and credit card debt, the statute of limitations is three years. The statute of limitations for auto loan debt is four years.
What is the statute of limitation on debt collection in Georgia?
6 years
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24).
What happens if you don’t pay medical bills in Georgia?
If you don’t pay your medical bills on time, you may get sued. If you think you are being sued, act fast!
What’s the Statute of limitations on credit card debt in Georgia?
Statutes of Limitation in Georgia: Credit Card Debts. Description: In Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is 6 years.
Is there Statute of limitations on debt in Mississippi?
In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years (MCA 75-3-118, 75-2-725, and 15-1-49). Open Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable (MCA 15-1-29 & MCA 15-1-31).
Is there a statute of limitations on debt collection?
Open Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable (MCA 15-1-29 & MCA 15-1-31). Judgment liens on real estate, orders by a court of law allowing a creditor the right to take possession…
Is there Statute of limitations on student loan debt?
The Statute of Limitations on student loan debt varies from state to state and can fall sometime between the timeframe of three years and sometimes as many as ten years. Do I Have to do Anything? When the time for credit reporting has expired, the negative items and outdated information will most likely drop from your credit file automatically.
