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Debt Statute of Limitations Calculator by State

Pick your state and debt type, enter your last payment date, and see when the 2026 limitations period would run out. Every result carries the revival warning — a payment or signed acknowledgment can restart the clock.

15 states. Each period is cited to that state's statute; every result flags revival.

Pick your state

Ranked by the shortest credit-card period first. Each tool uses that state's own periods.

New York
Credit-card SOL3 or 6 years
Written contract6 years
RevivalNo revival
North Carolina
Credit-card SOL3 years
Written contract3 years
RevivalSigned writing
Virginia
Credit-card SOL5 or 3 years
Written contract5 years
RevivalCan restart
California
Credit-card SOL4 years
Written contract4 years
RevivalSigned writing
Florida
Credit-card SOL5 or 4 years
Written contract5 years
RevivalSigned writing
Pennsylvania
Credit-card SOL4 years
Written contract4 years
RevivalCan restart
Texas
Credit-card SOL4 years
Written contract4 years
RevivalNo revival
Illinois
Credit-card SOL5 years
Written contract10 years
RevivalCan restart
Arizona
Credit-card SOL6 years
Written contract6 years
RevivalNo revival
Georgia
Credit-card SOL6 years
Written contract6 years
RevivalSigned writing
Massachusetts
Credit-card SOL6 years
Written contract6 years
RevivalCan restart
Michigan
Credit-card SOL6 years
Written contract6 years
RevivalCan restart
New Jersey
Credit-card SOL6 years
Written contract6 years
RevivalCan restart
Ohio
Credit-card SOL6 years
Written contract6 years
RevivalCan restart
Washington
Credit-card SOL6 years
Written contract6 years
RevivalCan restart

How the debt statute-of-limitations calculator works

Each state tool takes the limitations period for the debt type you choose and counts it from your last payment or activity date to show when the window would close. It states the date and the gap from today — it does not decide whether a specific debt is time-barred. Crucially, the date assumes no new activity: in many states a partial payment or a signed written acknowledgment can restart the clock entirely, which every result warns about.

This tool is informational only and not legal advice. A statute of limitations is a defense you must raise, not an automatic erasure of the debt. Confirm your situation against the official source on each state page before acting.