What is the statute of limitations on credit card debt in my state?

The statute of limitations on credit card debt in Washington is 5 years from the date of last payment or the date of charge-off. This means that a creditor or debt collector has 5 years to file a lawsuit to collect a debt after the last payment was made or the debt was charged off. After 5 years have passed, the debt may become uncollectible, and creditors or debt collectors may not be able to sue you to collect the debt. However, even if the statute of limitations has expired, this does not mean that the debt cannot be collected. Creditors or debt collectors may still contact you and try to collect the debt, though they may not be able to sue you to collect it. If you are concerned about a possible debt, or are contacted about an old debt, you may wish to speak with a consumer law attorney to discuss your legal rights and options.

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What is the statute of limitations on credit card debt in my state?

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