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The topic discussed is the revival of a promissory note, along with associated liens, security interests, or mortgages after the statute of limitations has expired. All civil claims are subject to limitations defined by statute. A statute of limitations restricts the time frame within which a claim can be pursued. For instance, in Texas, the limitation period for an automobile collision claim is two years; failing to file within this timeframe results in the claim being barred. Similarly, the statute of limitations for a promissory note, which is a written agreement to repay borrowed money, is four years in Texas. Promissory notes usually come with a security interest in assets like real estate or vehicles.
