Missouri Statute of Limitations for Debt Collection
In Missouri, 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: Mo. Rev. Stat. §§ 516.110, 516.120.
- 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 Missouri Rules
Missouri has a long 10-year statute for written contracts and a 5-year period for most other civil claims. Medical malpractice has a shorter 2-year period with a 10-year statute of repose. The discovery rule applies to medical malpractice and fraud claims.
Other Statutes of Limitations in Missouri
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Missouri?
The statute of limitations for debt collection in Missouri is 10 years. Citation: Mo. Rev. Stat. §§ 516.110, 516.120.
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When does the clock start for debt collection in Missouri?
Written debts: 10 years. Oral debts: 5 years.
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Can the statute of limitations for debt collection be extended in Missouri?
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.