Texas Statute of Limitations Calculator
Find out if your debt is time-barred under Texas law
LEGAL DISCLAIMER:
This service provides legal information under Texas Government Code §81.101(c), which permits providing legal information without practicing law. This service is not a substitute for the advice of an attorney. We are not a law firm and do not practice law. No attorney-client relationship is created by using this service. You are responsible for reviewing all information and documents for accuracy. For legal advice tailored to your specific situation, consult with a licensed Texas attorney.
What is a Statute of Limitations?
The statute of limitations (SOL) is the time period during which a creditor can sue you to collect a debt. In Texas, most consumer debts have a 4-year SOL under Texas Civil Practice & Remedies Code §16.004.
When Does the Clock Start?
The SOL typically starts from the date of your last payment or the date you defaulted on the debt, whichever is later.
Texas SOL by Debt Type
- Credit Cards: 4 years (§16.004)
- Medical Debt: 4 years (§16.004)
- Personal Loans: 4 years (§16.004)
- Auto Loans: 4 years (§16.004)
- Court Judgments: 10 years (§16.035)
What Happens After SOL Expires?
Once the SOL expires, collectors cannot sue you. Under Texas Finance Code §392.202, they must disclose in writing that the debt is time-barred. However, the debt may still appear on your credit report for up to 7 years.