Pennsylvania Statute of Limitations on Debt Collection
Do not be confused about what statute of limitations means. It
is not a kind of time limit that the creditor has to collect debt.
Actually, in most states, a debt collector can go on collecting for
however long they desire. The statute of limitations is a law that
restricts the time the creditor (or owner of the debt) has to file
a lawsuit against the consumer. While a collector can try to
collect the debt forever, they are indeed limited in how long they
are able to use the court system to collect.
Contracts: 4 years,
Contracts under seal: 20 years.
Negotiable instruments: 6 years (13 PA C.S.A. .§3118).
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888-822-1777 with any questions concerning PA statute of