Wrongful Repossession Statute of Limitations by State 2026
Don’t Miss Your Deadline to Sue – Most States Give You 1–6 Years
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⚠️ The clock starts from the date of repossession or discovery of violation
⚠️ Miss the deadline = you lose your right to sue forever
⚠️ Many states toll (pause) the clock for minors or bankruptcy
2026 Wrongful Repossession Statute of Limitations Table (All 50 States)
| State | Statute of Limitations | Key Notes |
|---|---|---|
| Alabama | 2 years | From date of repo |
| Alaska | 3 years | Discovery rule may apply |
| Arizona | 2 years | UCC breach |
| Arkansas | 3 years | Written contract 5 years |
| California | 4 years | One of the longest |
| Colorado | 3 years | |
| Connecticut | 3 years | |
| Delaware | 3 years | |
| Florida | 4 years | |
| Georgia | 4 years | |
| Hawaii | 6 years | Longest in nation |
| Idaho | 4 years | |
| Illinois | 4 years | |
| Indiana | 6 years | |
| Iowa | 5 years | |
| Kansas | 3 years | |
| Kentucky | 5 years | |
| Louisiana | 1 year | Shortest – act fast! |
| Maine | 6 years | |
| Maryland | 3 years | |
| Massachusetts | 4 years | |
| Michigan | 6 years | |
| Minnesota | 6 years | |
| Mississippi | 3 years | |
| Missouri | 5 years | |
| Montana | 5 years | |
| Nebraska | 4 years | |
| Nevada | 4 years | |
| New Hampshire | 3 years | |
| New Jersey | 6 years | |
| New Mexico | 4 years | |
| New York | 3 years | |
| North Carolina | 3 years | |
| North Dakota | 6 years | |
| Ohio | 4 years | |
| Oklahoma | 2 years | |
| Oregon | 6 years | |
| Pennsylvania | 4 years | |
| Rhode Island | 4 years | |
| South Carolina | 3 years | |
| South Dakota | 6 years | |
| Tennessee | 4 years | |
| Texas | 4 years | |
| Utah | 4 years | |
| Vermont | 6 years | |
| Virginia | 3 years | |
| Washington | 6 years | |
| West Virginia | 4 years | |
| Wisconsin | 6 years | |
| Wyoming | 4 years |
Note: Statutes apply to most common claims (breach of peace, conversion of personal property, UCC violations). Some states have longer periods for written contracts or shorter for certain torts. Always verify with an attorney.
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