every state is different, check with an attorney in your state, cc debt is different from written contracts in some states
A statute of limitations sets forth the maximum period of time, after the debtor becomes delinquent, that legal proceedings (law suits) can be initiated. After the times shown below, a court will throw out any lawsuit.
The type of debt affects the statute of limitations, too. Credit cards are usually considered to be "Open Accounts". Auto loans and other installment-type agreements are considered "Written Contracts".