Short answer
When the cause of action accrues, which for most credit cards and loans is when you defaulted, usually the missed payment you never caught up on. Charge-off and sale dates don't restart it. The exact date can be disputed, so look at your records.
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Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.
More about defenses and the statute of limitations
- What are common defenses to a debt lawsuit in Texas?
- What is the statute of limitations on debt in Texas?
- Can a debt buyer sue me on a time-barred debt in Texas?
- Does making a payment restart the statute of limitations?
- What if I'm sued on a time-barred debt anyway?
- What does 'lack of standing' mean in a debt buyer case?