Five years.
Interpretation of when the 10 year or 5 year SOL applies under Missouri law is discussed in detail by a registered Missouri attorney on their web page at
http://sedalialawyers.com/2018/06/25/when-is-a-debt-no-longer-collectable/
“For claims brought under Missouri law, the period of the applicable statute of limitations depends on the nature of the claimed debt. There are several different statute of limitations in Missouri for different types of claims. In this article, I will consider only those type of claims related to “contracts”. First of all, a contract is defined as a legally enforceable agreement between two or more parties that creates an obligation to do or not do particular things. Examples of contracts can include an agreement to pay credit card charges, a lease agreement, a promissory note, an oral or written agreement to pay for natural gas or electricity provided to your residence and an agreement to pay for other things and services.
Generally, the statute of limitations on such debts is five years. (See Section 516.120. Revised Statutes of Missouri). This five year statute of limitation applies to both oral and written agreements. If the claim is based upon a “writing based upon a claim for payment of money or property” the ten year statute of limitations applies. (See Section 516.110 RSMo). Please note that this ten year statute of limitations require both a “writing” and “a claim for money or property.” There is a difference from a written claim based upon the payment of money or property than an agreement to pay a debt. An example of a written claim payment for money would be a promissory note. A written agreement where you agree to pay for charges from your credit card is not a claim “based upon payment for money”, but a claim based upon your promise to pay for you credit card charges, Most written agreement do not involve claims for money or property and therefore the statute of limitations on these would be five years.”
