I have a credit card debt from 2009 in the state of Rhode Island. What is the statute of limitations on that debt?
October 20, 2025
13
4
It’s crucial to know when the judgment was issued. Judgments can last up to 20 years, which is different from the statute of limitations for filing a case. (RI Gen L § 9-1-13)
As long as the case was filed within the 10-year period, the statute of limitations does not apply.
Upvote if this is a clear answer
Downvote if this is not a clear answer
Full Conversation
I have a credit card debt from 2009 in the state of Rhode Island. What is the statute of limitations on that debt?
I understand you’re concerned about your credit card debt from 2009 in Rhode Island. Have you made any payments or acknowledged the debt since then?
No.
Do you know if the original creditor or a debt collection agency is currently pursuing this debt?
I got a letter from a law firm trying to collect a debt.
Is there anything else the Lawyer should know before I connect you? Rest assured they’ll be able to help with your debt collection issue.
Yes.
Hello! I’m Attorney/Professor, a Consumer Protection Law expert here to assist you with your credit card debt concerns. Let’s work together to navigate this situation and find the best solution for you.
Thank you for joining me this morning. Just to clarify, has a lawsuit been filed against you?
They want to attach my pay.
Rhode Island has the longest time frame I’ve seen, which is 10 years. Most states average around four to six years.
Is bankruptcy an option for you, or is this the only debt you’re dealing with?
The debt is from 2009. So that’s more than 10 years, and no, I don’t need to file bankruptcy. I just don’t think I’m legally obliged to pay it anymore according to the statute of limitations — yes, it’s the only debt I’m dealing with.
It’s crucial to know when the judgment was issued. Judgments can last up to 20 years, which is different from the statute of limitations for filing a case. (RI Gen L § 9-1-13)
As long as the case was filed within the 10-year period, the statute of limitations does not apply.
Are you still with me?
If your availability has changed, no worries! I can move forward based on the information you provided initially. Take your time and, when you can, please have a look at my response.
