Texas Statute of Limitations for Debt Collection
In Texas, the statute of limitations for debt collection is 4 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: 4 years from accrual.
- Statute: Tex. Civ. Prac. & Rem. Code § 16.004.
- 4 years for written and oral debts. Texas does not distinguish between the two.
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
4 years for written and oral debts. Texas does not distinguish between the two.
General Texas Rules
Texas applies the discovery rule in limited circumstances, primarily in fraud and professional malpractice cases. The state has a general 4-year statute for most contract and property claims. Texas does not have a broad tolling provision for absence from the state.
Other Statutes of Limitations in Texas
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Texas?
The statute of limitations for debt collection in Texas is 4 years. Citation: Tex. Civ. Prac. & Rem. Code § 16.004.
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When does the clock start for debt collection in Texas?
4 years for written and oral debts. Texas does not distinguish between the two.
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Can the statute of limitations for debt collection be extended in Texas?
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.