Illinois Statute of Limitations for Debt Collection
In Illinois, the statute of limitations for debt collection is 10 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: 10 years from accrual.
- Statute: 735 ILCS 5/13-206, 5/13-205.
- Written debts: 10 years. Oral debts: 5 years.
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
Written debts: 10 years. Oral debts: 5 years.
General Illinois Rules
Illinois has one of the longest limitation periods for written contracts at 10 years. The discovery rule applies broadly in Illinois, particularly for personal injury and medical malpractice. Illinois has a 4-year statute of repose for medical malpractice.
Other Statutes of Limitations in Illinois
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Illinois?
The statute of limitations for debt collection in Illinois is 10 years. Citation: 735 ILCS 5/13-206, 5/13-205.
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When does the clock start for debt collection in Illinois?
Written debts: 10 years. Oral debts: 5 years.
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Can the statute of limitations for debt collection be extended in Illinois?
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.