Ohio Statute of Limitations for Debt Collection
In Ohio, the statute of limitations for debt collection is 8 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: 8 years from accrual.
- Statute: Ohio Rev. Code §§ 2305.06, 2305.07.
- Written debts: 8 years. Oral debts: 6 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: 8 years. Oral debts: 6 years.
General Ohio Rules
Ohio has an 8-year period for written contract claims (reduced from 15 years by 2012 reform) and a 6-year period for oral contracts. Medical malpractice has a very short 1-year period with a 4-year statute of repose. The discovery rule applies broadly to personal injury and medical malpractice claims.
Other Statutes of Limitations in Ohio
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Ohio?
The statute of limitations for debt collection in Ohio is 8 years. Citation: Ohio Rev. Code §§ 2305.06, 2305.07.
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When does the clock start for debt collection in Ohio?
Written debts: 8 years. Oral debts: 6 years.
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Can the statute of limitations for debt collection be extended in Ohio?
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.