Legally, there are two situations for the time of debt management:
 1. If the repayment period has been determined, it shall be valid within three years after the maturity of the repayment period;
 2. If no repayment period is determined, repayment can be requested at any time, and it is valid for three years from the date of request for repayment. However, those who have lived for more than 20 years shall not be protected by law.
 [Legal Basis]
 In Article 188 of the Civil Code, the limitation period of action for requesting the people's court to protect civil rights is three years. If the law provides otherwise, such provisions shall prevail.
 The limitation period of action shall be counted from the date when the obligee knows or should know that his rights have been damaged and the obligor. If the law provides otherwise, such provisions shall prevail.
 However, if it has been more than 20 years since the date of damage to rights, the people's court shall not protect them. Under special circumstances, the people's court may decide to extend them on the application of the obligee.