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Alabama Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Alabama limitations period would run out for your debt type — credit-card debt runs 3 years, a written contract 6 years (§6-2-34). Every result flags revival.
Alabama debt statute-of-limitations calculator
These are the Alabama figures applied to the date you entered — a plain summary of the period, not a determination that any debt is or is not time-barred (too old to sue over).
Once the period has run out, only an unconditional promise in writing signed by the debtor revives an Alabama debt (§6-2-16). A partial payment can restart the clock only if it is made before the period expires; a payment made after the debt is already time-barred does not bring it back. When in doubt, do not pay or sign anything on an old debt without advice.
The date above assumes no new activity. A statute of limitations does not erase the debt or remove it from your credit report — it is a defense you must raise if you are sued after the period runs. In many states a partial payment or a signed written acknowledgment can restart the clock entirely, so be careful before paying or signing anything on an old account. Revival rules are complex and this is informational only, not legal advice.
- Debt type
- Credit-card debt
- Time limit to sue (SOL period)
- 3 years
- Last payment / activity
- Not entered
- Period runs out
- —
- Revival
- Only a signed writing revives it
Plain-language summary, not legal advice.
Informational only, not legal advice. The statute of limitations is complex, classification-dependent, and revival can reset it — this tool cannot decide your case. See the full breakdown and citations on the Alabama debt statute-of-limitations reference, cited to Ala. Code §6-2-34; §6-2-37; §6-2-16.
How the Alabama debt clock works
Alabama runs two different clocks, and the gap between them is what trips people up. A written contract gives a creditor six years to sue under §6-2-34, but a credit-card account is treated as an open account under §6-2-37, with only three years. That three-year period is measured from the date of the last item on the account, so an old card balance can go time-barred quickly. The 2016 legislature passed SB288 to make the three-year card rule explicit. If your debt is already past the deadline, be careful: under §6-2-16 only a signed written promise revives it, and a fresh payment before the deadline can restart the whole clock.
This tool applies the Alabama periods to the date you enter and assumes no new activity. It is informational only and not legal advice — revival can reset the clock and classification can change the period. For the full four-type breakdown, revival rule, and citations, see the Alabama debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.