Oregon Statute of Limitations on Debt Collection

Any type of debt has an end period to prevent a collection agency from being able to file a lawsuit outside of a time period that is called the statute of limitations. Before a consumer agrees to pay off their debt, they should check what the statute of limitations is for their state to ensure that the debt is still due and payable.

In Oregon, there is a law called the Unlawful Trade Practices Act and this relates to consumers who purchase goods for personal use from a merchant who is in the sale or trade of such business. The statute of limitations for this situation is 1 year (ORS 646.638(5).

Additionally, the statute of limitations for:

• Breach of contract: 6 years (ORS 12.080)
• Judgment: 10 years (ORS 12.070)

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