State file — Wyoming
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 debt | 10 years (written contract) / 8 years (open account) · Wyo. Stat. § 1-3-105(a)(i)-(ii) OUTLIER CONFIRMED from primary text (wyoleg.gov, ch. 3): § 1-3-105(a)(i) = 10 years for 'any contract, agreement or promise in writing'; (a)(ii)(A) = 8 years for 'a contract not in writing, either express or implied' (the open/unwritten bucket). The '8 written / 10 written' confusion in roundups resolves to written 10, unwritten 8 - the longest contract periods in this batch. Foreign claims get only 5 years after the debtor establishes WY residence (§ 1-3-105(a)(iii)). |
| If the clock has run out | Paying part of it, or signing a written statement that the debt is yours, can restart it. Wyo. Stat. § 1-3-105 et seq. From a secondary source — double-check before you rely on it Secondary sources describe Wyoming's standard rule that a part payment or a signed written acknowledgment/promise starts the period anew from that act; the specific revival section was not opened this pass, so the cite is to the limitations chapter generally and status is secondary. |
| Deadline to answer a lawsuit | Serve an answer within 20 days after service within Wyoming; 30 days if served outside the state · Wyo. R. Civ. P. 12(a) From a secondary source — double-check before you rely on it |
| Taking your paycheck (wage garnishment) | Follows the federal cap. Follows the federal CCPA formula for ordinary judgments: lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. Benefit income is exempt under Wyo. Stat. § 1-15-501. Wyo. Stat. §§ 1-15-401 et seq., 1-15-501 From a secondary source — double-check before you rely on it |
| Taking your bank account (a levy) | No Wyoming-specific automatic bank-balance floor located this pass. Wyoming's exemption article protects listed benefit income and a modest wildcard/personal-property amount when claimed and traceable; other account funds are reachable by garnishment after judgment. Wyo. Stat. § 1-20-101 et seq. From a secondary source — double-check before you rely on it Federal benefits deposited directly get an automatic two-month shield everywhere (31 CFR Part 212). |
| Original creditor calling? | No equivalent statute found. The federal FDCPA binds third-party collectors and debt buyers in Wyoming, and federal law still bans deceptive practices by the bank itself. |
| How long a judgment lasts | 5 years — dormant after 5 years if no execution is issued (and the lien ceases); a dormant judgment may generally be revived within 10 years · Wyo. Stat. §§ 1-17-307, 1-16-503 From a secondary source — double-check before you rely on it |
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10 years (written contract) / 8 years (open account) under Wyo. Stat. § 1-3-105(a)(i)-(ii). 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).
Paying part of it, or signing a written statement that the debt is yours, can restart it. (Wyo. Stat. § 1-3-105 et seq.).
Serve an answer within 20 days after service within Wyoming; 30 days if served outside the state (Wyo. R. Civ. P. 12(a)). Most of these cases are lost by default — by never answering at all.
Follows the federal CCPA formula for ordinary judgments: lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. Benefit income is exempt under Wyo. Stat. § 1-15-501. (Wyo. Stat. §§ 1-15-401 et seq., 1-15-501).