New York’s Statute of Limitations for Credit Card Debt

In New York, the Statute of Limitations for Credit Card Debt dictates how long creditors can attempt to collect unpaid debt. Depending on the type of debt and when it was incurred, this period may last anywhere from three to six years. It is important for consumers to understand the statute of limitations in order to protect their rights and avoid facing legal action.

In New York State, credit card debts are subject to a three-year statute of limitations period. This means that creditors have only three years from the date of delinquency or default on a credit card debt in order to pursue collection activity against a consumer. After this time elapses, creditors no longer have any legal rights or recourse against the debtor, who is then free from any obligation or liability associated with that particular account.

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