Indiana Statute of Limitations for Debt Collection
In Indiana, 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: Ind. Code § 34-11-2-9.
- 6 years for both written and oral debts. Promissory notes: 10 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
6 years for both written and oral debts. Promissory notes: 10 years.
General Indiana Rules
Indiana provides a 6-year period for most contract claims and a 2-year period for personal injury and property damage. Medical malpractice claims are subject to the Indiana Medical Malpractice Act, which requires filing a complaint with the Indiana Department of Insurance before bringing a court action.
Other Statutes of Limitations in Indiana
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Indiana?
The statute of limitations for debt collection in Indiana is 6 years. Citation: Ind. Code § 34-11-2-9.
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When does the clock start for debt collection in Indiana?
6 years for both written and oral debts. Promissory notes: 10 years.
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Can the statute of limitations for debt collection be extended in Indiana?
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.