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Statute of Limitations on Debt in Wyoming

In Wyoming, a creditor has 10 years to sue on a written contract, 8 years on an oral contract or unwritten account, and 6 years on a promissory note.

Last checked . General information, not legal advice.

Wyoming at a glance

Written contracts
10 years
Oral contracts
8 years
Applies to contracts not in writing, express or implied.
Promissory notes
6 years
Wyo. Stat. 34.1-3-118 for notes payable at a definite time.
Open accounts
8 years
An account not based on a written agreement falls under the 8-year rule for contracts not in writing.

Sources

Last checked

The rules in Wyoming

What is the statute of limitations for a written contract in Wyoming?

Written contracts in Wyoming: 10 years.

What is the statute of limitations for an oral contract in Wyoming?

Oral contracts in Wyoming: 8 years. Applies to contracts not in writing, express or implied.

What is the statute of limitations on a promissory note in Wyoming?

Promissory notes in Wyoming: 6 years. Wyo. Stat. 34.1-3-118 for notes payable at a definite time.

What is the statute of limitations on an open account, such as a credit card, in Wyoming?

Open accounts in Wyoming: 8 years. An account not based on a written agreement falls under the 8-year rule for contracts not in writing.

Where do the Wyoming statutes of limitations on debt come from?

The rules above come from Wyo. Stat. 1-3-105 and Wyo. Stat. 34.1-3-118. Each source is linked on this page. We last checked them in October 2026.

Good to know

A claim on a foreign contract that accrued before the debtor moved to Wyoming must be brought within 5 years after the debtor establishes residence there.

What this means in practice

The clock usually starts when the debt is breached, which for a loan or account is often the date of the missed payment or the last payment made. In some states a new payment or a written acknowledgment of the debt can restart or extend the period, so the starting date matters as much as the length.

A statute of limitations is generally a defense the person being sued has to raise. If a lawsuit on an old debt is filed and nobody responds, the court can enter a judgment even if the period had expired. Judgments have their own, separate enforcement periods.

Which state's deadline applies is not always obvious. Contracts may contain a choice of law clause, and some states have borrowing statutes that apply a shorter period from another state. Federal rules also bar debt collectors from suing or threatening to sue on time-barred consumer debt. For a specific dispute, check the statute and consider talking to an attorney.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.