What is the statute of limitations on a credit card debt in Kentucky?
Isabella Turner
Updated on January 29, 2026
5 years
The statute of limitations for credit card debt in Kentucky is 5 years. Written contracts have a 4- or 15-year statute of limitations, depending on the circumstances. A judgment-creditor can ask the sheriff to seize your personal property.
What is the statute of limitations on debt in KY?
Understanding Kentucky’s statute of limitations
| Kentucky Statute of Limitations on Debt | |
|---|---|
| Mortgage debt | 15 years (10 years for mortgages written before July 15, 2014) |
| Medical debt | 15 years (10 years for mortgages written before July 15, 2014) |
| Credit card | 5 years |
| Auto loan debt | 4 years |
How long can a debt collector try to collect in Kentucky?
According to the Kentucky law on oral contracts, or verbal agreements, debt collection agencies have five years since the last action on the debt to put forward a suit (KRS 413.120). However, the Kentucky law on written contracts allows creditors fifteen years to sue a Kentucky resident.
What’s the Statute of limitations on debt in Kentucky?
The statute of limitations on debt for a written contract in Kentucky is 15 years. That means the creditor has 15 years from the date that you default on the debt to file suit against you to collect. The 15 years is very unfriendly to consumers; the Bluegrass State’s 15 year collection period gives is the longest one of any state in the USA.
Is there Statute of limitations on unpaid credit card debt?
Anyone with unpaid credit card debt should know their state’s statute. “In most states, the statute of limitations period on debts is between three and 10 years; in some states, the period is longer,” according to the U.S. Federal Trade Commission (FTC).
How long does it take to sue a debt collector in Kentucky?
Is there Statute of limitations on American Express debt?
American Express) that the statute of limitations on an unpaid credit card debt was six years. The Georgia code sets the limit on open-ended accounts at four years, but the appeals court applied the law for written contracts to card debt in this case.
