An action for breach of contract, obligation, or liability, express or implied, must be commenced within six years unless the statutory period is specifically limited by another statute. Most loan agreements, credit card debt, and payment for contracted services are governed by a 6-year statute of limitations. Under the Uniform Commercial Code, any action for breach of contract for sale of goods must be commenced within four years.
Determining when the breach of contract occurred can be difficult, depending on the circumstances. You should always consult an attorney regarding the statute of limitations that applies in your case.