Tools · Debt
Arkansas Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Arkansas limitations period would run out for your debt type — credit-card debt runs 5 years, a written contract 5 years (§16-56-111). Every result flags revival.
Arkansas debt statute-of-limitations calculator
These are the Arkansas 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).
A voluntary partial payment or a signed written acknowledgment of the debt can restart the clock in Arkansas (§16-56-111 tolls on partial payment or written acknowledgment of default; §16-56-121 governs written revival). This is the key trap: making one small payment on an old debt, or signing anything that admits you owe it, can restart the full period and expose you to a lawsuit again. A verbal promise alone generally does not revive a barred debt, but a payment can.
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)
- 5 years
- Last payment / activity
- Not entered
- Period runs out
- —
- Revival
- A payment can restart the clock
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 Arkansas debt statute-of-limitations reference, cited to Ark. Code §16-56-111; §16-56-105; §16-56-121.
How the Arkansas debt clock works
Arkansas sets a 5-year limit on written contracts (§16-56-111) and a 3-year limit on oral or unwritten contracts and open accounts (§16-56-105). The hard question is where a credit card lands. Arkansas courts have treated cardholder agreements as written contracts, holding that using the card accepts the written terms even without a signature, which points to 5 years. Yet many consumer guides describe a credit card as an open account and quote 3 years. That 5-versus-3 split is not fully settled, so the safe assumption is 5 years unless a court applies the shorter account period to your specific facts. Arkansas also has a sharp revival rule: a partial payment or a signed written acknowledgment can restart the clock, so be careful before paying or writing anything about an old debt.
This tool applies the Arkansas 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 Arkansas debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.