Louisiana Statute of Limitations for Debt Collection
In Louisiana, 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: La. Civ. Code art. 3499.
- 10-year prescriptive period for contractual obligations.
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
10-year prescriptive period for contractual obligations.
General Louisiana Rules
Louisiana is unique as the only U.S. state with a civil law system derived from French law. It uses 'prescriptive periods' (liberative prescription) rather than statutes of limitations. Delictual (tort) actions have a very short 1-year period, while contract claims benefit from a 10-year period.
Other Statutes of Limitations in Louisiana
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Louisiana?
The statute of limitations for debt collection in Louisiana is 10 years. Citation: La. Civ. Code art. 3499.
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When does the clock start for debt collection in Louisiana?
10-year prescriptive period for contractual obligations.
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Can the statute of limitations for debt collection be extended in Louisiana?
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.