{"id":7264,"date":"2018-01-15T09:00:05","date_gmt":"2018-01-15T17:00:05","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=7264"},"modified":"2025-09-08T09:36:45","modified_gmt":"2025-09-08T16:36:45","slug":"overview-bcs-statute-limitations-debt","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/overview-bcs-statute-limitations-debt\/","title":{"rendered":"An Overview of BC\u2019s Statute of Limitations on Debt"},"content":{"rendered":"\n<p>Many British Columbia residents who are facing credit and debt problems are unaware that a provincial statute of limitations exists on debt \u2013 BC\u2019s <em>Limitation Act<\/em>.\u00a0Read on for an overview as to how the statute of limitations on debt works in BC, and some common scenarios when it may be applicable. The focus of this post is related to basic consumer debts \u2013 for information about liabilities due to injury, damages, etc. it is always best to seek direct legal counsel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-statute-of-limitations-on-debt-in-bc-the-basics\"><strong>Statute of Limitations on Debt in BC \u2013 The Basics<\/strong><\/h2>\n\n\n\n<p>In the province of British Columbia, <em>Limitation Act<\/em> is the legislation that sets out details for limitation periods; limitation periods <u>cap the length of time people have to sue for a debt owing<\/u>, and provide clarity around when liability begins and ends.<\/p>\n\n\n\n<p>BC has a two-year basic liability limitation period, which is two years after:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The date an unsecured debt was incurred;<\/li>\n\n\n\n<li>The last payment made against it was made; or<\/li>\n\n\n\n<li>The last provable acknowledgment of the debt by the debtor (person who owes the money).<\/li>\n<\/ul>\n\n\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<p>What this means is:\u00a0If it has been two years (or more) since you incurred the debt, made a payment on the debt, or acknowledged the debt \u2013 the creditor who is owed the money can no longer take legal action against you, in attempt to get you to pay.<\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/what-happens-when-you-cant-pay-your-debt\/\">What Happens When You Can\u2019t Pay Your Debt? Learn More<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exceptions-to-bc-s-two-year-limitation-period\"><strong>Exceptions to BC\u2019s Two-Year Limitation Period<\/strong><\/h3>\n\n\n\n<p>It is important to note that there are exceptions to the two-year limitation period.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The limitation period varies by province (up to six years in other provinces);<\/li>\n\n\n\n<li>Not all debts will be subject to this limitation period, such as:\n<ul class=\"wp-block-list\">\n<li>Civil claims that enforce a monetary judgment;<\/li>\n\n\n\n<li>Debts owing to government bodies like Canada Revenue Agency or student loans;<\/li>\n\n\n\n<li>Arrears of child or spousal support;<\/li>\n\n\n\n<li>Various other legal claims (damages due to sexual assault, title to property, etc).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/having-government-debts-forgiven\/\">Learn About Debt Solutions for Having Government Debts Forgiven<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-the-two-year-statute-of-limitations-period-on-debt-restart\"><strong>Can the Two-Year Statute of Limitations Period on Debt Restart?<\/strong><\/h3>\n\n\n\n<p>People need to be aware that the limitation period is extended if the debt is acknowledged.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There are two types of acknowledgments:\n<ul class=\"wp-block-list\">\n<li>If a payment is made on the debt (even if it\u2019s only $1!); and<\/li>\n\n\n\n<li>If there is a written confirmation of liability\n<ul class=\"wp-block-list\">\n<li>Includes e-communications.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Either of these acknowledgements will reset the limitation periods.\u00a0It should also be noted that if a person makes a payment or a written acknowledgement of the debt <em>outside<\/em> the limitation period, this does NOT restart the limitation period\u2026.so timing is crucial.<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-impact-of-statute-barred-debt\"><strong>Credit Impact of \u201cStatute-Barred\u201d Debt<\/strong><\/h3>\n\n\n\n<p>Even if the two-year limit on a debt being collectable has passed, it can still be reflected on (and therefore impact) your credit history and credit score.\u00a0Most transactions that the credit bureaus consider \u201cnegative\u201d, such as bouncing a payment, or a judgment (paid or unpaid) will be shown on your credit history for seven years.<\/p>\n\n\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<p>A debt being bought and sold by collection agencies does not reset the limitations period, nor does a collection agent\u2019s attempts at collecting on the account.<\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-the-statute-of-limitations-be-used-to-resolve-debt-problems\"><strong>Can the Statute of Limitations be Used to Resolve Debt Problems?<\/strong><\/h2>\n\n\n\n<p>Using the limitation period as a mean to solve a consumer debt problem may be a reasonable debt solution, depending on the person\u2019s specific circumstances.<\/p>\n\n\n\n<p>Individuals who have no income or assets, and do not foresee this changing, may find themselves in a position of being able to \u201cwait out\u201d the two-year period:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This can be a particularly difficult option, especially if you\u2019re at the beginning of the two-year period;<\/li>\n\n\n\n<li>Generally, you could expect numerous collection calls and\/or correspondence in the meantime;<\/li>\n\n\n\n<li>If the situation changes (you gain an asset, or income a creditor could seize etc), waiting out the limitation period may not remain a viable debt solution.<\/li>\n<\/ul>\n\n\n\n<p>Many people find that they have old, or aging debts but they want to wipe the slate clean right away.\u00a0Other people may find that they\u2019re unable to accurately track when payments were made, or the debts were acknowledged.\u00a0Others still simply want the creditor contact to stop \u2013 waiting out a two-year period can be very difficult and stressful!<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debt-solutions-to-consolidate-and-cut-or-forgive-your-debt\"><strong>Debt Solutions to Consolidate and Cut, or Forgive Your Debt<\/strong><\/h2>\n\n\n\n<p>A Licensed Insolvency Trustee can help you understand all potential debt solution options available to you, including evaluating whether relying on the statute of limitations could be your best way to deal with your debt.<\/p>\n\n\n\n<p>Other legal debt solutions you can explore together during a free, confidential debt consultation with a BC Licensed Insolvency Trustee include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Filing a <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/\">Consumer Proposal<\/a>: This unique debt consolidation tool allows you to consolidate virtually all your debts into one repayment plan coordinated by a Licensed Insolvency Trustee, and repay only the portion that you can afford over a period of up to five years, without interest or added fees.\n<ul class=\"wp-block-list\">\n<li>You may be able to cut your debt up to 50-80%, including credit cards, payday loans, government debts and more.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Declaring <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/personal-bankruptcy\/\">personal bankruptcy<\/a>: In Canada bankruptcy can allow you to have up to 100% of your debts forgiven, while retaining all your assets and paying a simple administration fee.\n<ul class=\"wp-block-list\">\n<li>Most people \u201cexit\u201d bankruptcy in as little as nine months, and rebuild their credit history within a year or two.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Talk with a local Sands &amp; Associates debt help expert today and find out how we can help you get out of debt.<\/strong><\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p><sub><em>This content is not intended to be specific legal advice; it is intended to be a simple guide in layman\u2019s language to provide a basic overview only.\u00a0E. Sands &amp; Associates Inc accepts no responsibility for its use other than as intended.\u00a0The law is an ever-changing body of statutes and decisions, and the reader is advised to seek legal counsel for specific matters relating to their situation.\u00a0<\/em><\/sub><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many British Columbia residents who are facing credit and debt problems are unaware that a provincial statute of limitations exists on debt \u2013 BC\u2019s Limitation Act.\u00a0Read on for an overview as to how the statute of limitations on debt works in BC, and some common scenarios when it may be applicable. The focus of this [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":12570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[263],"tags":[38,39,74,128,37,117,120,50,242,43,295,238,305,42,246,296,70,204,35,127],"class_list":["post-7264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-debt-advice","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-bc-debt","tag-bc-debt-statute","tag-consumer-proposals","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-advice","tag-debt-consolidation","tag-debt-forgiveness","tag-debt-help","tag-debt-relief","tag-debt-settlement","tag-debt-solutions","tag-debt-stress","tag-financial-stress","tag-licensed-insolvency-trustee","tag-sands-associates","tag-statute-of-limitations"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Overview of BC Statute of Limitations on Debt | Sands &amp; Asc.<\/title>\n<meta name=\"description\" content=\"A provincial statute of limitations exists on debt \u2013 BC\u2019s Limitation Act. Read an overview of BC\u2019s statute of limitations on debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sands-trustee.com\/blog\/overview-bcs-statute-limitations-debt\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Overview of BC\u2019s Statute of Limitations on Debt\" \/>\n<meta property=\"og:description\" content=\"A provincial statute of limitations exists on debt \u2013 BC\u2019s Limitation Act. 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