Statute of Limitations on Debt in Kentucky
In Kentucky, a lawsuit on a written contract must generally be brought within 10 years. These periods come from Ky. Rev. Stat. Ann. § 413.160 (written contract executed after July 15, 2014, ten years); § 413.090(2) (written contract executed on or before that date, fifteen years); § 413.120(1) (contract not in writing, five years); § 413.120(9) (merchant's account for goods sold and delivered, five years).
A limitation period limits how long someone has to file a lawsuit. It does not erase the debt, and it is not the same as the seven-year credit-reporting window.
Kentucky limitation periods at a glance
| Type of obligation | Time limit to sue |
|---|---|
| Written contractSigned agreements and most loan documents | 10 years |
| Oral / unwritten contractVerbal agreements with no signed document | 5 years |
| Open / revolving accountThe category most credit-card debt falls under | 5 years |
| Promissory noteA written promise to pay a fixed sum | 10 years |
Source: Ky. Rev. Stat. Ann. § 413.160 (written contract executed after July 15, 2014, ten years); § 413.090(2) (written contract executed on or before that date, fifteen years); § 413.120(1) (contract not in writing, five years); § 413.120(9) (merchant's account for goods sold and delivered, five years). Read the statute directly: official text 1, official text 2, official text 3. Where a row reads “not separately specified,” the Kentucky code does not enumerate that category separately and the general contract period applies. We leave it blank rather than publish a number the statute does not state.
What makes Kentucky different
Kentucky's written-contract period has a split history that still matters: § 413.160 gives ten years to an action upon a written contract executed after 15 July 2014, while § 413.090(2) leaves the older fifteen-year period in place for written contracts executed on or before that date. Oral contracts run five years under § 413.120(1), and § 413.120(9) separately names an action upon a merchant's account for goods sold and delivered — the open-account category most consumer balances fall into — at the same five years. The statute keys the split to the date the contract was executed, not the date of default.
Careful: a payment can restart the clock
Kentucky allows a written acknowledgement or promise to restart the clock. Where a contract was executed on or before 15 July 2014, confirm which statutory period governs before assuming a debt is time-barred — the execution date, not the default date, decides.
This is why a small “good faith” payment on a very old account can work against you. In many states a payment, or a written acknowledgement that the debt is yours, can start the limitation period over from that date. Before paying anything on an old account, confirm how old the debt actually is and which rule applies in Kentucky.
The statute of limitations is not the credit-reporting period
These two clocks get confused constantly, and the confusion is expensive in both directions. They are separate rules, set by different law, running for different lengths of time.
Statute of limitations — Kentucky law
Set by Ky. Rev. Stat. Ann. § 413.160 (written contract executed after July 15, 2014, ten years); § 413.090(2) (written contract executed on or before that date, fifteen years); § 413.120(1) (contract not in writing, five years); § 413.120(9) (merchant's account for goods sold and delivered, five years). It limits how long a creditor or collector has to file a lawsuit over the debt. When it expires the debt is called time-barred. The debt still exists; what changes is the ability to enforce it in court.
Credit reporting — federal law
Set by the Fair Credit Reporting Act, 15 U.S.C. § 1681c. It generally allows most negative accounts to be reported for up to seven years, measured from the original delinquency. It applies the same way in all fifty states.
So in Kentucky a debt can be legally unsuable and still sit on your credit report, and a debt can be reportable long after the lawsuit window has closed. If a collection account is being reported with a delinquency date that looks newer than it should, that is a separate and disputable reporting problem — see our directory of collection agencies for who may be reporting it.
Kentucky debt statute of limitations: common questions
What is the statute of limitations on debt in Kentucky?
In Kentucky the limitation period for a written contract is 10 years and for an oral contract 5 years, under Ky. Rev. Stat. Ann. § 413.160 (written contract executed after July 15, 2014, ten years); § 413.090(2) (written contract executed on or before that date, fifteen years); § 413.120(1) (contract not in writing, five years); § 413.120(9) (merchant's account for goods sold and delivered, five years). The limitation period controls how long a creditor or collector has to file a lawsuit — it is not a deadline for the debt to disappear.
Does the statute of limitations mean the debt comes off my credit report in 10 years?
No, and this is the single most common misunderstanding on this topic. The statute of limitations is a limit on filing a lawsuit. Credit reporting is governed separately by the federal Fair Credit Reporting Act (15 U.S.C. § 1681c), which generally allows most negative accounts to be reported for up to seven years. The two periods are different lengths and start from different events, so in Kentucky a debt can be past the limitation period and still appear on your credit report, and a debt can still be reportable long after nobody can sue over it.
Can making a payment restart the clock in Kentucky?
Kentucky allows a written acknowledgement or promise to restart the clock. Where a contract was executed on or before 15 July 2014, confirm which statutory period governs before assuming a debt is time-barred — the execution date, not the default date, decides. Because the consequences are significant, it is worth understanding the rule before making a payment, signing anything, or acknowledging an old account in writing.
Can a collector still contact me about a time-barred debt in Kentucky?
Generally yes. A debt that is past the limitation period is usually called "time-barred," and in most circumstances a collector may still ask you to pay it — it is the lawsuit that the statute restricts. What a collector may not do is mislead you about the debt's status or threaten a lawsuit it cannot legally bring. The federal Fair Debt Collection Practices Act applies, and Kentucky consumers also have the Consumer Financial Protection Bureau complaint process available.
What should I do if I am sued over an old debt in Kentucky?
Do not ignore it. A limitation defence is generally not automatic — in most courts it must be raised, and failing to respond can result in a default judgment even on a debt that was time-barred. If you are served with a lawsuit, respond within the deadline on the papers and consider speaking with a licensed Kentucky attorney. Nothing on this page is legal advice.
How do I know which limitation period applies to my Kentucky debt?
It depends on how the obligation is documented. Kentucky treats a signed written contract (10 years) differently from an unwritten one (5 years), and open or revolving accounts are addressed at 5 years. The start date also matters: the period generally runs from the point the claim accrued, which is commonly tied to the last activity on the account. The exact category of a specific debt is a legal question.
Compare other states
Written-contract periods among the states we have verified against their own statutes range from 3 to 10 years. Which state’s law applies can depend on where you live, where you signed, and what the agreement says.
Important. This page summarises publicly available Kentucky statutory law for general information. It is not legal advice, and it does not create an attorney-client relationship. Limitation periods are amended by legislatures, interpreted by courts, and can turn on facts specific to one account — including which state’s law applies. Crowned Credit is a credit-repair organisation, not a law firm, and does not provide legal representation. For advice about a specific debt or lawsuit, consult a licensed attorney in Kentucky.
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