We work with clients across the country. Debt laws differ more between states than most people realize — how long a creditor can sue you, how much of your paycheck is protected, and how debt-relief providers are regulated all change at the state line. The guides below give you the local statute, the current numbers, and a straight account of how our program works where you live. Don't see your state? Call us anyway — we'll tell you honestly what your options are.
Avg. card debt $5,889 • 3 or 6 years limitation period
Avg. card debt $9,261 • 3 years limitation period
Avg. card debt $8,307 • 6 years limitation period
Avg. card debt $9,396 • 4 years limitation period
Avg. card debt $8,911 • 6 years limitation period
Avg. card debt $9,778 • 6 years limitation period
Avg. card debt $7,787 • 3 years limitation period
Avg. card debt $9,184 • 5 years limitation period
Avg. card debt $8,090 • 6 years limitation period
Avg. card debt $7,265 • 5 years limitation period
Avg. card debt $8,328 • 5 years limitation period
Avg. card debt $6,096 • 6 years limitation period
Avg. card debt $6,394 • 5 years limitation period
Avg. card debt $6,979 • 5 years limitation period
Avg. card debt $5,368 • 5 years limitation period
Avg. card debt $7,422 • 6 years limitation period
Avg. card debt $9,630 • 3 years limitation period
Avg. card debt $9,244 • 6 years limitation period
Avg. card debt $6,812 • 6 years limitation period
Avg. card debt $7,339 • 6 years limitation period
Avg. card debt $4,887 • 3 years limitation period
Avg. card debt $6,421 • 5 years limitation period
Avg. card debt $7,412 • 6 or 5 years limitation period
Avg. card debt $7,075 • 5 years limitation period
Avg. card debt $8,381 • 4 years limitation period
Avg. card debt $8,696 • 3 years limitation period
Avg. card debt $9,089 • 3 years limitation period
Avg. card debt $7,297 • 3 years limitation period
Avg. card debt $6,707 • 6 years limitation period
Avg. card debt $6,536 • 6 years limitation period
Avg. card debt $5,963 • 3 or 5 years limitation period
Avg. card debt $7,745 • 6 years limitation period
Avg. card debt $7,199 • 4 years limitation period
Avg. card debt $8,069 • 10 years limitation period
Avg. card debt $6,706 • 3 years limitation period
Avg. card debt $5,846 • 6 years limitation period
Avg. card debt $8,394 • 4 years limitation period
Avg. card debt $7,613 • 6 years limitation period
Avg. card debt $7,670 • 6 years limitation period
Avg. card debt $8,416 • 3 years limitation period
Avg. card debt $9,039 • 6 years limitation period
Avg. card debt $9,413 • 3 years limitation period
Avg. card debt $6,703 • 6 years limitation period
Your state not listed, or your situation spans more than one — you moved, or a creditor filed somewhere else? Get in touch and we'll walk through which state's law applies to you and what that means for your options.
Average credit-card debt per cardholder with an unpaid balance: LendingTree analysis of 400,000+ credit reports, Q3 2025 (national average $7,886). Limitation periods refer to the time creditors generally have to sue over credit-card debt; rules, exceptions, and start dates vary — see each state page for citations. Not legal advice.
Every case is different. Get an honest, free 15-minute assessment by phone — wherever you are in the country.