Andy Lee

The statute of limitations on debt in Idaho is five years for credit card debt as a written contract, and four years for open accounts without a writing, measured from your last payment. How the debt is documented sets the deadline. Written contracts and credit cards: Five years under Idaho Code 5-216. Open accounts without a writing: Four years under Idaho Code 5-217. Clock from last payment: The countdown starts when you stop paying.

The statute of limitations on debt in Washington, D.C. is three years for nearly every type of debt, including credit cards, measured from your last payment. The District applies one short window across debt types. Three-year limit: Written contracts, credit cards, and open accounts. Clock from last payment: The countdown starts when you stop paying. Same rule for oral debt: Verbal agreements also fall under three years.

The statute of limitations on debt in Iowa is five years for credit card debt treated as an unwritten account, and ten years for signed written contracts, measured from your last payment. How the debt is documented sets the deadline. Credit cards and unwritten accounts: Five years under Iowa Code 614.1. Signed written contracts: Ten years under Iowa Code 614.1. Clock from last payment: The countdown starts when you stop paying.