Time-barred debt
Time-barred debt: A debt for which the statute of limitations has expired. Under Regulation F, 12 C.F.R. § 1006.26(b), a debt collector must not sue or threaten to sue to collect a time-barred debt.

What time-barred debt means
In practice, you will see time-barred debt in pleadings, motions, orders and court rules. The definition above explains the general meaning. Even so, the meaning can shift with context. Therefore, always read it alongside the rule or document where it appears.
Where time-barred debt comes up
The term is used across many kinds of cases. For example, you may see it in pleadings, motions and court orders. To see it in context, browse the motions and procedures library or the Learn the Law topics.
Read the source: Statute of limitations, Time-barred debt guide.
How to research the term
Start with the primary source. For example, if time-barred debt appears in a federal rule, read the rule itself and its official notes. After that, check your court’s local rules and any standing orders from the judge. In addition, search recent decisions from your own state or federal district. They show how courts read time-barred debt in practice. Because state rules often differ, our state procedures guide links to each state’s official rules. Above all, make sure the version you read is still in force.
You can read the current federal court rules online for free.
Related legal terms
- Tenth Amendment: the final article of the Bill of Rights: "The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people." The Supreme Court relies on it in holding that Congress may not commandeer state legislatures or officers (New York v.
- Testamentary trust: a trust created by a will. It takes effect only after the will-maker dies and the will is admitted to probate, so it does not avoid probate.
- Thirteenth Amendment: the 1865 amendment that abolished slavery and involuntary servitude in the United States, "except as a punishment for crime whereof the party shall have been duly convicted," and gave Congress power to enforce it.
- Threats: statements of intent to cause harm.
Why precise terms matter
Courts read legal terms closely. As a result, knowing the exact meaning of a word helps you follow orders, rules and filings. Each glossary entry on Lawtopolis is short on purpose and links to the pages where the term is used.
Sources
Sources last reviewed: 2026-10-24
Lawtopolis provides legal information and education, not legal advice. Using this site does not create an attorney-client relationship. Laws and court rules vary by jurisdiction and change over time; verify every authority against the official source and consult a licensed attorney in your jurisdiction about your situation.
