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In Maryland, the statute of limitations for breach of a written contract is three years. With a contract where someone is supposed to make monthly payments, the statute is reset each time a payment is made or missed. That means she could go back and sue for the last three years of payments, even if too much time has passed for her to get the full amount. A promise to pay will also reset the statute. The statute of limitations is a defense, so it's up to the other party to raise it in court.
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