Modifies the statute of limitations for certain debts

HB 2793 shortens the time limit for creditors to sue over credit card debt to two years from the date the debt accrued. This change directly affects credit card companies (creditors) and cardholders (debtors), limiting when creditors can pursue legal action for unpaid balances. The bill specifically modifies existing law to set this two-year window for credit card debt collection, while leaving other debt types like contracts or property disputes under their existing time limits. It does not change statutes for other debt collections, such as general contract disputes or wage claims. The bill was introduced in the House on January 7, 2026, and is pending further consideration.