2025 Session
Last amended: 2013 session
§ 541.053 — Limitation of Actions Based on Consumer Debt
Plain-Language Summary
Lawsuits to collect consumer debts for personal, family, or household purposes must be filed within 6 years. Once this deadline passes, the statute of limitations cannot be restarted by making a payment, filing for bankruptcy, or reaffirming the debt.
541.053 LIMITATION OF ACTIONS BASED ON CONSUMER DEBT.
Notwithstanding section 541.31, subdivision 1, actions upon an obligation arising out of a consumer debt primarily for personal, family, or household purposes shall be commenced within six years. After its expiration, the statute of limitations is not revived by the collection of a payment on an account, a discharge in a bankruptcy proceeding, or an oral or written reaffirmation of the debt.
History:
History: History:
2013 c 104 s 2
Practical Notes
When this applies: When a creditor or debt collector attempts to sue on an old consumer debt such as a credit card, medical bill, or personal loan. Who this affects: Consumers who owe debts and creditors or debt collectors trying to collect. Key points: The 6-year deadline applies to debts incurred primarily for personal, family, or household purposes. Unlike many other states, Minnesota does not allow the clock to restart if the debtor makes a partial payment on an old debt. A bankruptcy discharge or a written or oral reaffirmation of the debt also does not revive the statute of limitations. This is a strong consumer protection that prevents debt collectors from suing on very old debts.