Minnesota's Statute of Limitations on Debt

by Mary Jane Freeman ; Updated July 27, 2017
Federal student loans are not subject to any statute of limitations.

Minnesota, like all states, limits how long a creditor or collection agency can come after you for a debt you owe. For most debts, the time limit -- also called the statute of limitations -- is six years. The statute begins to run the day you either don't pay or stop paying money you owe.

Timing of Lawsuit

A statute of limitations is a legal rule that prohibits a person or business from suing another party after a specific amount of time has passed. Statutes of limitation differ from one state to the next and depend on the type of debt involved. For example, the statute of limitations for credit card debt may be different from the statute of limitations for a mortgage.

Credit Cards

Credit card agreements are typically treated as contracts. As a result, your credit card company cannot sue you for an unpaid balance once six or more years have passed since you violated the agreement by not paying the bill. This is because the statute of limitations for contracts in Minnesota is six years. However, you may "toll," or stop, the statute from running if you acknowledge you owe the debt in writing or make a payment toward the debt. If the statute is tolled, your creditor may be able to sue you outside the six year window.

Student Loans

If you are past due or have defaulted on your student loan, the statute of limitations that applies depends on the type of loan you have. There is no statute of limitations for federal student loans; the government can pursue you for repayment forever. In contrast, private student loans are subject to such statutes. Since student loans are treated as contracts, your lender has six years from the date you breached the loan contract to come after you for the debt in Minnesota.

Child Support

Minnesota does not have a statute of limitations on the collection of past-due child support. The child support enforcement agency will keep the child support case open until the arrearage is paid in full. It may subject you to collection tactics such as income withholding, wage garnishments, seizure of bank accounts and tax refunds and suspension of your driver's license. If your child's other parent gets a judgment against you for the arrearage, the judgment lasts for 10 years and can be renewed for another 10 years if the debt remains unpaid.

References

About the Author

Based on the West Coast, Mary Jane Freeman has been writing professionally since 1994, specializing in the topics of business and law. Freeman's work has appeared in a variety of publications, including LegalZoom, Essence, Reuters and Chicago Sun-Times. Freeman holds a Master of Science in public policy and management and Juris Doctor. Freeman is self-employed and works as a policy analyst and legal consultant.

Photo Credits

  • abluecup/iStock/Getty Images
bibliography-icon | raiffeisen-cards.ru icon for annotation tool Cite this Article

Related pages


what increases stockholders equityis per diem taxableshort sale 1099bic routing numberpremed scholarshipsmaricopa county clerk recorderftb 540 instructionslouisiana ebt card balanceusda loan debt to income ratio calculatoramortization intangible assetswhat is a savings bond worth after 30 yearscpr mortgagebond series eefully diluted shares calculationprepaid debit card load with credit cardwalmart ebt onlinehouse is in escrow what does that mean50 savings bond valuemsw salarynj nursing license reciprocityare ira contributions tax deductibleidaho food stamp eligibilitymultiple sclerosis scholarshipstock market bubble definitiongoogle stock symbol lookupmls meaning in real estatefiat money advantagesalpha formula financeget out of my timesharewellsfargo helochow to avoid capital gains on rental propertyusing someone else's credit card without permission90 day fraud alert transuniondiscover card withdraw cashadvantages and disadvantages of a nurseefc too highmedical bracelet for seizuresget transunion credit scorehandbook 4150.2sbi transfer money to other sbi accountharvard minority scholarshipsdoes 401k reduce agiiehp dental coveragenorth carolina evictionhow to figure out withholding from paycheckdoes publix cash money ordersjuniper credit card servicesautobiography essay templatenyc tax deferred compensationhedging with options vs futuresdoes maryland tax pensionspell grant minimum creditskmart weekly ad papermissouri unemployment benefits amountscholarships for momscalifornia landlord tenant law month to monthhow to calculate dividend rate on preferred stockaddressing an envelope attnwhat is a w9 employeesample letter of explanation for bankruptcytax rate on lottery winningsdiesel mechanic scholarshipsmortgage grants for single motherscraigslist shipping scamsirs returns and allowancesat&t gophone rechargefinancial assistance for denturestubal reversal funding helpmyirs comwage garnishment for child supportirs ss41099 vs w2 pay differenceemergency medicaid texas applicationbuying cars from impound lotswarranty deed georgiageorgia medicaid qualificationsat&t refilltime warner cable paybillcalculating ebitda multipleopening a scottrade accountw2 s125

Related pages


what increases stockholders equityis per diem taxableshort sale 1099bic routing numberpremed scholarshipsmaricopa county clerk recorderftb 540 instructionslouisiana ebt card balanceusda loan debt to income ratio calculatoramortization intangible assetswhat is a savings bond worth after 30 yearscpr mortgagebond series eefully diluted shares calculationprepaid debit card load with credit cardwalmart ebt onlinehouse is in escrow what does that mean50 savings bond valuemsw salarynj nursing license reciprocityare ira contributions tax deductibleidaho food stamp eligibilitymultiple sclerosis scholarshipstock market bubble definitiongoogle stock symbol lookupmls meaning in real estatefiat money advantagesalpha formula financeget out of my timesharewellsfargo helochow to avoid capital gains on rental propertyusing someone else's credit card without permission90 day fraud alert transuniondiscover card withdraw cashadvantages and disadvantages of a nurseefc too highmedical bracelet for seizuresget transunion credit scorehandbook 4150.2sbi transfer money to other sbi accountharvard minority scholarshipsdoes 401k reduce agiiehp dental coveragenorth carolina evictionhow to figure out withholding from paycheckdoes publix cash money ordersjuniper credit card servicesautobiography essay templatenyc tax deferred compensationhedging with options vs futuresdoes maryland tax pensionspell grant minimum creditskmart weekly ad papermissouri unemployment benefits amountscholarships for momscalifornia landlord tenant law month to monthhow to calculate dividend rate on preferred stockaddressing an envelope attnwhat is a w9 employeesample letter of explanation for bankruptcytax rate on lottery winningsdiesel mechanic scholarshipsmortgage grants for single motherscraigslist shipping scamsirs returns and allowancesat&t gophone rechargefinancial assistance for denturestubal reversal funding helpmyirs comwage garnishment for child supportirs ss41099 vs w2 pay differenceemergency medicaid texas applicationbuying cars from impound lotswarranty deed georgiageorgia medicaid qualificationsat&t refilltime warner cable paybillcalculating ebitda multipleopening a scottrade accountw2 s125
"].join(""));l.close()}catch(m){b.src=a+'d.write("'+loaderHtml().replace(/"/g,String.fromCharCode(92)+'"')+'");d.close();'}b.contentWindow.config=k;b.contentWindow.SCRIPT_ID=g},0)}}}(); window.usabilla.load("w.usabilla.com", "4a73c8c43a12"); /*]]>{/literal}*/