Colorado Statute of Limitations for Debt Collection
In Colorado, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Colo. Rev. Stat. § 13-80-103.5.
- 6 years for all types of debt.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
6 years for all types of debt.
General Colorado Rules
Colorado uses a two-tier system: shorter periods (2 years) for tort claims and longer periods (6 years) for contract claims. The discovery rule applies broadly to medical malpractice and fraud claims. Colorado also has a general tolling provision for minors and persons under disability.
Other Statutes of Limitations in Colorado
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Colorado?
The statute of limitations for debt collection in Colorado is 6 years. Citation: Colo. Rev. Stat. § 13-80-103.5.
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When does the clock start for debt collection in Colorado?
6 years for all types of debt.
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Can the statute of limitations for debt collection be extended in Colorado?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.