How Long Can A Creditor File A Judgment?

by Sherri
(North Fort Myers)

How long does a creditor have to file with the courts for a judgment?

Answer from DebtCollectionAnswers.com:

Sherri, we assume what you are asking is how long a creditor can sue you to collect a debt you owe. If they successfully sue, or they sue you and you don't respond to the lawsuit, then they get a judgment against you.

This is governed by the statute of limitations. In some states creditors can sue after the statute of limitations has expired, but you can raise the statute of limitations as a defense.

According to our sources, the statute of limitations for most consumer debts in Florida is 4-5 years. We are not attorneys so we can't provide legal advice, however.

We recommend you read our information about being sued for a debt.