What is the statute of limitations on credit card debt in Maine?
Sophia Koch
Updated on February 13, 2026
6 years
Understanding Maine’s statute of limitations
| Maine Statute of Limitations on Debt | |
|---|---|
| Mortgage debt | 20 years |
| Credit card | 6 years |
| Auto loan debt | 4 years |
| State tax debt | 6 years (for civil action; liens can be extended after 10 years) |
What is the statute of limitations in Maine?
Criminal statutes of limitations in Maine are generally three years for misdemeanors and six years for felonies, although the time limit is eight years for sexual assault charges and no limit for murder or sexual assault against a victim under the age of 16.
Can a collection agency garnish your wages in Maine?
The state of Maine gives creditors the right to garnish the wages of residents who fail to pay their debt. If you live in Maine, the creditor who wants to garnish your wages must first file a lawsuit against you and prove to the court that you owe the money.
What’s the Statute of limitations on credit card debt?
The statute of limitations varies depending on the type of debt you have such as credit card debt or a loan. Usually, it is between three and six years, but it can be as high as 10 or 15 years in some states.
When is a time barred debt no longer collectible?
A “time-barred debt” is a debt that is no longer legally collectible because the statute of limitations has run out on it. It also is the name of the defense you would use if a debt collector tries to sue you after the statute of limitations on your debt has expired. What should I do if I get sued for a time-barred debt?
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.
Can a debt past the Statute of limitations be relisted?
You still owe the debt, but they can’t keep calling you about it. Debts past the statute of limitations can’t be relisted as new debts on your credit report. That means once you’re past the seven-and-a-half-year mark, most of these negative marks will fall off your credit report.
