New Hampshire Statute of Limitations on Debt Collection

The statute of limitations is an established rule that sets a time limit within which a creditor is able to sue you for payment of a debt. The amount of time that a creditor has to sue you is different for each state and if the time that is allowed by your state has passed, a creditor is unable to sue you for the debt. In New Hampshire:

• Contracts and open accounts: 3 years (RSA 508:4)
• Judgments, recognizance, and contracts under seal: 20 years (RSA 508:5)
• Notes secured by a mortgage: 20 years (RSA 508:6)
• Notes, defined as negotiable instruments: 6 years (RSA 382-A: 3-118)

If the debtor makes a payment on the account, there is a toll on the statute of limitations.

If you want to get any more information or if you have questions about the Statute of Limitations in New Hampshire, contact The Consumer Advocacy Center at 312-782-5808.