Kentucky Statute of Limitations for Debt Collection
In Kentucky, 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: Ky. Rev. Stat. §§ 413.120, 413.160.
- Written debts: 10 (or 15 for sealed instruments). 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 (or 15 for sealed instruments). Oral debts: 5 years.
General Kentucky Rules
Kentucky has one of the shortest personal injury statutes of limitations in the nation at just 1 year. Written contract claims benefit from a long 10-year period. The discovery rule applies to medical malpractice and fraud claims.
Other Statutes of Limitations in Kentucky
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Kentucky?
The statute of limitations for debt collection in Kentucky is 10 years. Citation: Ky. Rev. Stat. §§ 413.120, 413.160.
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When does the clock start for debt collection in Kentucky?
Written debts: 10 (or 15 for sealed instruments). Oral debts: 5 years.
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Can the statute of limitations for debt collection be extended in Kentucky?
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.