West Virginia Statute of Limitations for Debt Collection
In West Virginia, 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: W. Va. Code § 55-2-6.
- 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 West Virginia Rules
West Virginia provides a long 10-year period for written contract claims and 2 years for most tort claims. Medical malpractice has a 10-year statute of repose. The West Virginia Medical Professional Liability Act requires a pre-suit screening certificate of merit.
Other Statutes of Limitations in West Virginia
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in West Virginia?
The statute of limitations for debt collection in West Virginia is 10 years. Citation: W. Va. Code § 55-2-6.
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When does the clock start for debt collection in West Virginia?
Written debts: 10 years. Oral debts: 5 years.
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Can the statute of limitations for debt collection be extended in West Virginia?
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.