New York’s Statute of Limitations for Credit Card Debt

New York has established a statute of limitations for credit card debt. This means that if an individual fails to make payments on their credit card debt, the creditor can no longer take legal action against them after a certain period of time.

In New York State, the statute of limitations for credit card debt is six years from the date of default or when the last payment was made on the account. Once this period has passed, creditors are no longer able to pursue collection efforts such as filing a lawsuit or requesting repayment from the debtor. If a court case is filed prior to this six-year period, however, it is still valid and may proceed through completion regardless of when it was originally initiated.

The Law Offices of Omar Zambrano has helped thousands of people and businesses in the past to get out of debt and start over.

Our goal is to help you find a fresh start FAST!

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