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Connecticut: debt time limits

How long a creditor or debt collector has to sue you over credit card debt, written and oral contracts, and promissory notes.

Credit cards and open accounts	6 years
Written contracts	6 years
Oral contracts	3 years
Promissory notes	6 years
Law	Conn. Gen. Stat. 52-576, 52-581

The clock usually starts at your last payment. In many states a new payment or a written promise to pay can restart it. Once the deadline passes a collector cannot win a lawsuit, but the debt can still appear on your credit report for up to 7 years. Federal student loans have no deadline.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Connecticut.

How Connecticut compares

6 ranks 3 of 51 (1 = highest) for years to sue on credit card debt.

Lowest 3Highest 10

Also for Connecticut: Malpractice rules in Connecticut · Small claims limits in Connecticut · Small estate limits in Connecticut · Shared fault rules in Connecticut · Medicaid expansion in Connecticut · ACA marketplace in Connecticut · Claim deadlines in Connecticut · Estate and inheritance tax in Connecticut · All Connecticut rules on one page

How we checked this

Periods come from a statute-cited 2026 law-firm chart and match two other 2026 consumer finance tables. Where courts have not settled how credit cards are classified, both periods are shown. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.