New York Statute of Limitations for Debt Collection
In New York, 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: N.Y. C.P.L.R. § 213(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 New York Rules
New York provides 6 years for contract and fraud claims, 3 years for most tort claims, and a unique 2.5-year period for medical malpractice. The discovery rule is limited in New York, applying primarily to foreign object cases in medical malpractice. New York also has a continuous treatment doctrine for medical malpractice.
Other Statutes of Limitations in New York
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in New York?
The statute of limitations for debt collection in New York is 6 years. Citation: N.Y. C.P.L.R. § 213(2).
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When does the clock start for debt collection in New York?
6 years for all debt types.
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Can the statute of limitations for debt collection be extended in New York?
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.