How Long Can You Collect on a Bad Check?
A bad check can be a frustrating and costly experience. But how long do you have to collect on a bad check? The answer varies depending on your state’s laws. Here’s what you need to know.
Statute of Limitations
In most states, there is a statute of limitations that governs how long you have to collect on a bad check. This statute of limitations typically ranges from two to six years. After the statute of limitations expires, you will no longer be able to sue to collect on the check.
The following is a table of the statute of limitations for bad checks in each state:
| State | Statute of Limitations |
|—|—|
| Alabama | 6 years |
| Alaska | 6 years |
| Arizona | 6 years |
| Arkansas | 5 years |
| California | 4 years |
| Colorado | 6 years |
| Connecticut | 6 years |
| Delaware | 3 years |
| Florida | 5 years |
| Georgia | 6 years |
| Hawaii | 6 years |
| Idaho | 5 years |
| Illinois | 5 years |
| Indiana | 6 years |
| Iowa | 5 years |
| Kansas | 5 years |
| Kentucky | 5 years |
| Louisiana | 10 years |
| Maine | 6 years |
| Maryland | 6 years |
| Massachusetts | 6 years |
| Michigan | 6 years |
| Minnesota | 6 years |
| Mississippi | 5 years |
| Missouri | 5 years |
| Montana | 8 years |
| Nebraska | 5 years |
| Nevada | 6 years |
| New Hampshire | 6 years |
| New Jersey | 6 years |
| New Mexico | 5 years |
| New York | 6 years |
| North Carolina | 6 years |
| North Dakota | 6 years |
| Ohio | 6 years |
| Oklahoma | 5 years |
| Oregon | 6 years |
| Pennsylvania | 6 years |
| Rhode Island | 10 years |
| South Carolina | 6 years |
| South Dakota | 6 years |
| Tennessee | 6 years |
| Texas | 4 years |
| Utah | 6 years |
| Vermont | 6 years |
| Virginia | 5 years |
| Washington | 6 years |
| West Virginia | 5 years |
| Wisconsin | 6 years |
| Wyoming | 6 years |
Civil Action
If the statute of limitations has expired, you may still be able to collect on a bad check through a civil action. A civil action is a lawsuit that you file in court to recover damages. However, you will need to prove that the person who wrote the check intended to defraud you.
Civil actions for bad checks can be complex and time-consuming. It is important to speak with an attorney to discuss your options before filing a lawsuit.
Conclusion
If you have received a bad check, it is important to act quickly. The sooner you take action, the more likely you are to recover your money. Contact an attorney to discuss your options.
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