Statute of Limitations on Debt in Oregon (Complete Guide 2021)

George Simons

April 06, 2021

Sometimes you just want to put your debt behind you.

Summary: Have a creditor chasing after you for an old debt? Find out if the statue of limitations in Oregon can protect you from past due debts.

The vast majority of debt, whether it be in the form of credit card debt, medical debt, student loan debt, etc. has a statutory limit for the number of years in which a creditor can file a lawsuit against you to try and collect on that debt.

The statute of limitations applicable for specific types of debts will be determined by the state in which you reside. For example, in some states, the statute of limitations for certain types of debt is three years; in others, the statute of limitations is six years, while other states have a 10-year statute of limitations.

Make the right defense with SoloSuit and win in court.

Oregon Adheres to a Six-Year Statute of Limitations for Debt

Oregon Statute of Limitations
on Debt

Debt Type

Deadline in Years

Credit Card






Auto Loan




State Tax


Source: Findlaw

In Oregon, the statute of limitations for debt is six years. This means a creditor has up to six years to file a lawsuit to collect on the debt. The six-year statute of limitations applies to medical debt, credit card debt, auto loan debt, etc.

Many people mistakenly assume a creditor will file suit as soon as you go into default. However, in reality, some creditors take years before actually filing suit. If a creditor or debt collection agency files suit and wins, they are then allotted an additional 10 years to try to collect on the debt.

In general, if you have a contractual debt in Oregon that you have not repaid, the creditor has six years to pursue you with legal action before the Oregon statute of limitations expires. This applies to medical, credit card, and mortgage debt. However, if you owe money on an auto loan, the creditor only has four years to sue. There is no statute of limitations on a state tax debt.

Remember that the statute of limitations doesn't necessarily start when you were initially billed. Instead, the statute of limitations begins to run based upon the last payment made on the debt. As a result, if you make a payment towards the debt, even if it is only a nominal payment, it will restart the clock running on the statute of limitations.

If more than six years have passed and the debt remains outstanding, it means a creditor cannot file a lawsuit against you. However, the statute of limitations does not do anything to protect your credit report. The unpaid debt may still appear on your credit report for several years after the statute of limitations has lapsed.

Make the right affirmative defenses with SoloSuit and win your case.

Contractual Provision Could Impact Statute of Limitations

If there is a provision in a contractual agreement between you and a creditor that stipulates less time for the creditor to file suit, you may be able to get out from under the threat of debt collection litigation in less than six years. For example, some credit card agreements contain a provision that stipulates legal disputes will be governed under Delaware law. In Delaware, the statute of limitations on debt is three years. However, an appeals court in Oregon decided that if a credit card company sells your debt to a collection company, the six-year statute of limitations in Oregon applies.

Debt Collectors May Still Hound You Even After the Statute of Limitations Expires

Once the statute of limitations lapses, a creditor is prohibited from legally suing you for an outstanding debt. However, some debt collection agencies actively ignore the statute of limitations in the hopes that you will not realize the time period to recover has expired. It is fairly common for some debt collectors to inaccurately claim that the debt is still recoverable and active. If you are being harassed by a debt collector, it is important to understand that you have legal rights under both federal and state law.

Use SoloSuit to respond to debt collectors fast.

Legal Protections Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) governs what actions can, and cannot, be taken by debt collectors when contacting consumers. It is a federal law featuring the following protections to you and other consumers:

  • Debt collectors are prohibited from disclosing your debt to third parties, except your attorney (if you opt to retain counsel).
  • Debt collectors cannot send mail containing explicit information or visible images that would reveal that the letter is related to the collection of outstanding debt.
  • Debt collectors are prohibited from contacting you at inconvenient hours; specifically before 8 a.m. and after 9 p.m.
  • Debt collectors are prohibited from contacting you at work.
  • Debt collectors are prohibited from harassing you. For example, they cannot call you repeatedly in succession, use inappropriate language, and/or make threats.

Legal Protections Under the OUDCPA

In addition to the federal protections afforded under the FDCPA, Oregon residents also have legal protections under the Unlawful Debt Collection Practices Act. This state law requires all debt collectors to be registered within the state. The OUDCPA also places limits on when and how often debt collectors can contact you at your place of employment. Here are some other protections afforded under the OUDCPA:

  • Creditors can send physical correspondence to you at work, but only if the creditor does not have access to your home address.
  • Both original creditors and collection agencies are required to follow the provisions codified under the OUDCPA.
  • Creditors are only allowed to contact you at your place of employment once per week.

The statute of limitations to collect on a debt in Oregon is generally six years. Once the statute of limitations lapses, a creditor is generally prohibited from suing you to try and collect on that debt. However, it is important to understand that the six-year statute of limitations is based on the date of the last payment made on the account.

As a result, if a creditor is hounding you to “make a small, initial payment” on an old debt, it is likely an attempt to try and “reset” the clock running on the statute of limitations. If you are sued by a creditor for a debt that is older than the applicable statute of limitations, it is incumbent upon you to raise it as an affirmative defense to get the collection lawsuit thrown out.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review