Start My Answer

Statute of Limitations on Debt in Utah

George Simons | January 10, 2024

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Worried that you'll never be able to pay that old debt? You might not have to. Learn all you need to know about the statute of limitations in Utah and find out if you don't have to pay those old debts.

If you are receiving frequent phone calls and letters from creditors seeking repayment for an outstanding debt, it is important to determine the age of the alleged debt. Why? Because there are laws that provide a finite period of time in which a debt collection lawsuit can be filed in Utah. The time period is known as the “statute of limitations.”

What Is the Statute of Limitations?

The statute of limitations is the time period in which a creditor, or debt collection agency, can file a lawsuit against you to try and recover an outstanding debt. If the statute of limitations in Utah has expired, both creditors and debt collection agencies are prohibited from filing suit against you in relation to the outstanding debt.

The statute of limitations will vary both by the type of debt and the state in which you reside. For example, the statute of limitations for a debt collection lawsuit in Virginia is different from a debt collection lawsuit filed in Utah.

In certain circumstances, the time period for taking legal action will be dictated by the specific language in a contractual agreement. For example, many credit card agreements feature a “choice of law” provision that designates a particular state law that will apply if there is a dispute.

Make the right defense the right way with SoloSuit.

Statute of Limitations on Debt in Utah

Utah Statute of Limitations
on Debt

Debt Type

Deadline in Years





Open Accounts


Source: Findlaw

In Utah, the statute of limitations for any signed written contract, obligation, or liability is six years. For unwritten (verbal) contracts, obligations, or liabilities, the statute of limitation for an unpaid debt expires after four years. Unpaid debt from open accounts for goods, wares, merchandise, and services rendered or for the price of any article charged on a store account has a statute of limitation of four years, after which debt collectors can no longer utilize the legal system to recover the debt.

In most instances, the proverbial clock for the statute of limitations begins to run when a contract is purportedly breached. For example, if the debt is related to an unpaid credit card, the date of the breach is either when the last payment was received or the date of the last charge, whichever is later.

So, for example, if the last time you used your credit card was September 22, 2008, the statute of limitations would have expired on September 22, 2014, unless something else caused the statute of limitations to restart or be put on pause.

However, a breach may occur based on certain conditions within the contract. For example, an auto loan typically requires the purchaser to maintain insurance on the vehicle and a breach occurs the day the insurance lapses. Carefully review your contract for other conditions that may trigger a breach.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

Tricks and Tactics Used by Debt Collectors on Old Debts

Unfortunately, many debt collectors will use various tricks and tactics to try and recover on a debt, even if that debt is extremely old and barred by the statute of limitations. Here is an overview of some of the common tricks and tactics used by debt collectors when pursuing payment on an old debt:

  • Threatening to file a lawsuit against you, even when the statute of limitations period has expired.
  • Threatening you with a prison sentence (spoiler alert: you cannot go to jail for failing to pay a consumer debt).
  • Threatening you with foreclosure on your home
  • Contacting your friends, family members, and work colleagues
  • Misleading you by saying that a small payment toward the debt will effectively restore your good credit. Please understand that a single small payment toward a debt will in no way impact your credit score. The only reason they want you to make a small payment is to try and restart the clock on the statute of limitations.
  • Asking you to sign a written acknowledgment that you owe the debt. Your signature on this acknowledgment effectively revives the debt and resets the clock for the statute of limitations.

Utah's Borrowing Statute

The laws in Utah are unique since there is both a general statute of limitations on debts and a statute of limitations predicated on Utah's “borrowing statute” which can be found in Section 78B-2-103 of the Utah Code.

According to this borrowing statute, any “cause of action which arises in another jurisdiction” and is barred by that state's statute of limitations is also barred in Utah. This is extremely important because we live in an interconnected world featuring multinational financial institutions. As a result, assessing an alleged breach of contract action and where that breach arose from can get quite complicated. For example, if you get a car loan through a Utah bank and you stop sending payment checks to the bank's office in Ogden, then the breach (and cause of action) is fairly straightforward. However, if someone has a credit card with a Delaware company (where most credit card companies are formed) and monthly payments are sent to Michigan (where many large credit card companies have payment processing offices), there is a strong argument any breach related to non-payment of the credit card occurred in Michigan.

Defend yourself against even the largest debt collection firms with SoloSuit.

What to Do If You Are Sued on a Debt That Is Beyond the Statute of Limitations

If you are sued for a debt that is beyond the statute of limitations, it is important to understand that the responsibility falls on you to raise this issue. You need to make sure you raise the statute of limitations as a defense in your Answer responding to a debt collector's lawsuit. A lawsuit to collect a time-barred debt is a violation of the Fair Debt Collection Practices Act and may allow you to collect actual or statutory damages and attorney fees if it is established that the debt collector filed a lawsuit on a time-barred debt.

In Utah, a creditor or debt collection agency is afforded a finite period of time to take legal action to try and recover a debt. This finite period of time is known as the statute of limitations. In Utah, for most debts, a creditor has six years to take legal action on that unpaid debt. After the statute of limitations expires, a creditor or debt collector can no longer sue you for the debt.

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 in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources