The Laws in each state may be changed, enhanced or repealed by state lawmakers. The list of state law statutes is for example and comparison only. The information may not reflect the actual / current laws in each state. This site is not intended as a substitute for legal counsel. Contact a licensed attorney in your area to assist with all legal matters. Please do not substitute information from this website for advice you would get from a licensed attorney.
|
State
|
CreditCard Debt
|
Oral Agreements
|
Written Contracts
|
Promissory Notes
|
|
Alabama
|
3
|
6
|
6
|
6
|
|
Alaska
|
6
|
6
|
6
|
6
|
|
Arizona
|
3
|
3
|
6
|
5
|
|
Arkansas
|
3
|
3
|
5
|
6
|
|
California
|
4
|
2
|
4
|
4
|
| Colorado |
6
|
6
|
6
|
6
|
| Connecticut |
6
|
3
|
6
|
6
|
| Delaware |
3
|
3
|
3
|
6
|
| D.C. |
3
|
3
|
3
|
3
|
| Florida |
4
|
4
|
5
|
5
|
| Georgia |
4
|
4
|
6
|
6
|
| Hawaii |
6
|
6
|
6
|
6
|
| Idaho |
4
|
4
|
5
|
10
|
| Illinois |
5
|
5
|
10
|
6
|
| Indiana |
6
|
6
|
10
|
10
|
| Iowa |
5
|
5
|
10
|
5
|
| Kansas |
3
|
3
|
5
|
5
|
| Kentucky |
5
|
5
|
15
|
15
|
| Louisiana |
3
|
10
|
10
|
10
|
| Maine |
6
|
6
|
6
|
6
|
| Maryland |
3
|
3
|
3
|
6
|
| Massachusetts |
6
|
6
|
6
|
6
|
| Michigan |
6
|
6
|
6
|
6
|
| Minnesota |
6
|
6
|
6
|
6
|
| Mississippi |
3
|
3
|
3
|
3
|
| Missouri |
5
|
5
|
10
|
10
|
| Montana |
5
|
5
|
8
|
8
|
| Nebraska |
4
|
4
|
5
|
6
|
| Nevada |
4
|
4
|
6
|
3
|
| New Hampshire |
3
|
3
|
3
|
6
|
| New Jersey |
6
|
6
|
6
|
6
|
| New Mexico |
4
|
4
|
6
|
6
|
| New York |
6
|
6
|
6
|
6
|
| North Carolina |
3
|
3
|
3
|
5
|
| North Dakota |
6
|
6
|
6
|
6
|
| Ohio |
-
|
6
|
15
|
15
|
| Oklahoma |
6
|
3
|
5
|
5
|
| Oregon |
4
|
6
|
6
|
6
|
| Pennsylvania |
6
|
4
|
4
|
4
|
| Rhode Island |
10
|
15
|
15
|
10
|
| South Carolina |
3
|
10
|
10
|
3
|
| South Dakota |
6
|
6
|
6
|
6
|
| Tennessee |
6
|
6
|
6
|
6
|
| Texas |
4
|
4
|
4
|
4
|
| Utah |
4
|
4
|
6
|
6
|
| Vermont |
6
|
6
|
6
|
5
|
| Virginia |
3
|
3
|
5
|
6
|
| Washington |
3
|
3
|
6
|
6
|
| West Virginia |
5
|
5
|
10
|
6
|
| Wisconsin |
6
|
6
|
6
|
10
|
| Wyoming |
8
|
8
|
10
|
10
|