Massachusetts Statute of Limitations for Debt Collection
In Massachusetts, 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: Mass. Gen. Laws ch. 260, § 2.
- 6 years for all debt types.
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 debt types.
General Massachusetts Rules
Massachusetts provides 6 years for contract claims and 3 years for tort claims. Contracts under seal have an extended 20-year limitation. The discovery rule applies to medical malpractice and fraud claims, with a 7-year statute of repose for medical malpractice.
Other Statutes of Limitations in Massachusetts
Debt Collection in Other States
Frequently Asked Questions
-
What is the statute of limitations for debt collection in Massachusetts?
The statute of limitations for debt collection in Massachusetts is 6 years. Citation: Mass. Gen. Laws ch. 260, § 2.
-
When does the clock start for debt collection in Massachusetts?
6 years for all debt types.
-
Can the statute of limitations for debt collection be extended in Massachusetts?
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.