State file — Pennsylvania

Pennsylvania debt collection: the deadlines and limits that decide your case

Every number below names the law it comes from (its statute citation), checked October 18, 2026. Where a number comes from a secondary source instead of the official text, this page says so — double-check it before you rely on it.

How long they have to sue you — credit-card debt4 years · 42 Pa.C.S. § 5525(a) From a secondary source — double-check before you rely on it
Four years for actions on a contract in writing, a contract implied in law, and open-end/revolving accounts — §5525(a)(3) and (a)(8) are the subsections commonly cited for card debt. Contracts under seal are the outlier at 20 years (§5529). A card agreement's out-of-state choice-of-law clause can be argued, but Pennsylvania courts commonly apply the 4-year period to a Pennsylvania consumer.
If the clock has run outPaying part of it, or signing a written statement that the debt is yours, can restart it.
Common-law acknowledgment doctrine (no revival provision in 42 Pa.C.S. § 5525) From a secondary source — double-check before you rely on it
Pennsylvania has no statutory restart rule; under common law a clear, signed written acknowledgment of the debt as a subsisting obligation, or a partial payment made in circumstances acknowledging the whole debt, can start a fresh 4-year period. Because the rule is case-law only, secondary sources advise assuming a payment or signed admission restarts the clock.
Deadline to answer a lawsuit20 days after service of the complaint · Pa. R. Civ. P. 1026(a) From a secondary source — double-check before you rely on it
Taking your paycheck (wage garnishment)Effectively banned for credit-card judgments. §8127(a)): 'The wages, salaries and commissions of individuals shall while in the hands of the employer be exempt from any attachment, execution or other process' — exceptions are only divorce/support, board for four weeks or less, PHEAA student-loan matters, criminal restitution/fines, and a narrow landlord exception (a judgment creditor-landlord on a residential lease may attach at most 10% of net wages, never below the federal poverty guidelines). Ordinary credit-card/consumer judgments are NOT within any exception: wages are effectively banned from garnishment for consumer debt.
42 Pa.C.S. § 8127(a)
Taking your bank account (a levy)VERIFIED mechanism — the $10,000 protection is NOT in §8124. It is Pa. R. Civ. P. 3111.1: service of a writ on a bank does not attach (1) the first $10,000 of each account containing any funds deposited electronically on a recurring basis and identified as exempt from execution/levy under Pennsylvania or federal law, (2) the WHOLE account if it exceeds $10,000 at any time and all funds in it are such recurring exempt direct deposits, and (3) funds not exceeding the $300 general monetary exemption. The $300 exemption itself is 42 Pa.C.S. §8123(a) (state.pa.us: property 'including bank notes, money, securities…' to the value of $300 is exempt, claimable in kind or in cash). §8124 separately exempts particular property (retirement funds/accounts at (b), insurance/workers' comp proceeds at (c), apparel/Bibles/school books at (a)) — it contains no $10,000 bank rule.
Pa. R. Civ. P. 3111.1; 42 Pa.C.S. §§ 8123, 8124
Federal benefits deposited directly get an automatic two-month shield everywhere (31 CFR Part 212).
Original creditor calling?Yes — the Fair Credit Extension Uniformity Act (FCEUA) (73 P.S. §§ 2270.1-2270.6 (§ 2270.4)) applies FDCPA-style rules to original creditors. Pennsylvania's FCEUA expressly regulates both 'debt collectors' AND 'creditors' collecting consumer debt, incorporating FDCPA-style prohibitions — so original creditors ARE covered, unusual nationally. Enforced through the Unfair Trade Practices and Consumer Protection Law (73 P.S. § 201-2), which supplies the private remedy.
How long a judgment lasts5 years — The judgment LIEN on real property lasts 5 years and must be revived to continue — revival is available repeatedly in 5-year increments (42 Pa.C.S. §§ 4303, 5526). Separately, a judgment is presumed satisfied after 20 years (§5529) and personal actions on it follow that longer horizon; the operative collection number for lien purposes is 5. · 42 Pa.C.S. §§ 5526(1), 4303, 5529 From a secondary source — double-check before you rely on it

Run my dates through the free checker

Card agreements often pick another state's law (Delaware for Chase, Bank of America, Discover, Barclays; South Dakota for Citi and Wells Fargo). A court may use the shorter of the two deadlines, under a rule called a borrowing statute — the free checker works out both clocks for you.

Included in the $39 DebtDecoded Kit

  • The letter builder — answer a few questions and it writes your letters: the one that makes them prove the debt is yours, and the one that orders them to stop calling. Wording follows the federal rulebook (Regulation F). Ready to print and mail
  • The old-debt trap worksheet — checks your dates against your state's restart rule before you pay or sign anything, so one small payment can't quietly restart the clock on an old debt (the trap lawyers call 'revival')
  • The call log — counts their calls against the legal line: more than 7 calls in 7 days about one debt counts as harassment (12 CFR 1006.14(b)(2))
  • The 'what they can't take' pack — what a court judgment can and cannot take in your state, including the rule that shields two months of federal benefits sitting in your bank account (31 CFR Part 212)
  • The offer-math worksheet — what a 'deal' really costs once fees and the tax on the written-off part are counted (that tax shows up on Form 1099-C)
  • The complaint walkthrough and the honest directory — who to call instead when a free or better route fits you

One payment. Every stage of the road, and the deadline tables for all 50 states — every number with its law cited. No account, no subscription — and the free checker above stays free whether you buy or not.

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Quick answers

What is the statute of limitations on credit card debt in Pennsylvania?

4 years under 42 Pa.C.S. § 5525(a). The clock usually starts at the first missed payment that was never made up. Debt collectors may still call after it runs out, but Regulation F (12 CFR 1006.26(b)) bars them from suing — or threatening to sue — over a debt that is too old (time-barred).

Can paying a little restart the clock in Pennsylvania?

Paying part of it, or signing a written statement that the debt is yours, can restart it. (Common-law acknowledgment doctrine (no revival provision in 42 Pa.C.S. § 5525)).

How long do I have to answer a debt-collection lawsuit in Pennsylvania?

20 days after service of the complaint (Pa. R. Civ. P. 1026(a)). Most of these cases are lost by default — by never answering at all.

Can a debt collector garnish my wages in Pennsylvania?

§8127(a)): 'The wages, salaries and commissions of individuals shall while in the hands of the employer be exempt from any attachment, execution or other process' — exceptions are only divorce/support, board for four weeks or less, PHEAA student-loan matters, criminal restitution/fines, and a narrow landlord exception (a judgment creditor-landlord on a residential lease may attach at most 10% of net wages, never below the federal poverty guidelines). Ordinary credit-card/consumer judgments are NOT within any exception: wages are effectively banned from garnishment for consumer debt. (42 Pa.C.S. § 8127(a)).

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