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Nov 17, 2025
In BC, most unsecured debts (like credit cards, personal loans, and lines of credit) have a limitation period of 2 years. This means creditors have 2 years from the date of your last payment or written acknowledgement of the debt to sue you in court. After 2 years, they can no longer take legal action, but they may still call you to try to collect. Be careful: making a small payment or admitting the debt in writing resets the 2-year period. Learn more at People’s Law School.
