Account Stated: Key Insights into Its Legal Definition and Implications

Definition & Meaning

An account stated is a financial agreement between a creditor and a debtor that reflects the balance owed based on previous transactions. This agreement can be explicit, where both parties acknowledge the amount due, or implicit, where the debtor's acceptance of the bill or invoice indicates their agreement. Essentially, an account stated arises when a debtor retains a bill or invoice without objection for an unreasonable period, suggesting they accept the balance as correct.

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Real-world examples

Here are a couple of examples of abatement:

Example 1: A contractor completes a series of home renovations and sends an invoice to the homeowner. If the homeowner does not dispute the invoice after a month, the amount owed may be considered an account stated.

Example 2: A business provides services to a client and sends monthly statements. If the client continues to receive and does not contest these statements for several months, the total amount may be treated as an account stated. (hypothetical example)

State-by-state differences

State Key Differences
California Recognizes account stated as a valid cause of action in civil cases.
New York Requires a clear agreement on the balance for account stated to be enforceable.
Texas Allows for both oral and written agreements to constitute an account stated.

This is not a complete list. State laws vary and users should consult local rules for specific guidance.

Comparison with related terms

Term Definition Key Differences
Account Stated Agreement on the amount owed based on previous transactions. Involves an acknowledgment of balance due.
Debt Obligation to pay money to another party. Does not necessarily require acknowledgment of a specific amount.
Promissory Note Written promise to pay a specified amount at a future date. Is a formal document, while account stated may not be.

What to do if this term applies to you

If you find yourself in a situation involving an account stated, consider the following steps:

  • Review all invoices or statements received to confirm the amounts owed.
  • If you believe the balance is incorrect, respond promptly to the creditor to dispute the amount.
  • Consider using US Legal Forms to create a formal response or acknowledgment of the account stated.
  • If the matter becomes complex or you face legal action, consult a legal professional for guidance.

Quick facts

  • Typical fees: Varies based on the creditor and nature of the debt.
  • Jurisdiction: Applicable in civil law across all states.
  • Possible penalties: May include legal action for non-payment.

Key takeaways

Frequently asked questions

An account stated is a financial agreement between a creditor and debtor regarding the amount owed based on prior transactions.