"Though, who says it's a limited amount of time? Aside from duck. (That isn't rhetorical.)
Just for clarification; "it" is "the amount of time the earth had to be created.""
Oh that.
If time is infinite, then distance between particles tends to the infinite, according to the expansion concept.
So, take a time considerably before that limit where the particles were still huge distances apart, but it had not reached infinity yet, and there simply wouldn't be anything close enough to react.
There would be a time where the particles would have to double back to get back to the spot where Earth was and try and make it. That is impossible unless they hit other particles, which is impossible as they all would have vectors of (even slightly) different direction.
You can cap the time, yet the Earth would not have to be made in the finite time you set to try and complete the infinite number of events until you reached one that resulted in the creation of the Earth.
This all assumes that you roll huge amounts of poor scores on dice with billions of sides and don't create the Earth when it was made.