Tools · Debt
Connecticut Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Connecticut limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years (§52-576). Every result flags revival.
Connecticut debt statute-of-limitations calculator
These are the Connecticut 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).
Warning: in Connecticut a voluntary partial payment or a written acknowledgment of the debt can restart the full limitations period. Even a small payment on an old account can hand a creditor a fresh 6 years (or 3 years on an oral debt). A statute of limitations does not erase the debt; it only limits the time to sue, so avoid paying or acknowledging an old account until you know the clock has run.
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)
- 6 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 Connecticut debt statute-of-limitations reference, cited to Conn. Gen. Stat. §52-576; §52-581; §42a-3-118.
How the Connecticut debt clock works
Connecticut runs two different clocks depending on how the deal was made. A written contract gets 6 years under Conn. Gen. Stat. §52-576, while a purely oral agreement gets only 3 years under §52-581. That split matters for debt because §52-576 also names "an account" in its opening line, so open accounts and credit cards land on the 6-year side, not the shorter oral clock. Promissory notes that are negotiable instruments carry their own 6-year limit under §42a-3-118. The clock generally starts when you stop paying, not when the account was opened. Be careful before touching an old debt: a partial payment or a written acknowledgment can restart the whole period.
This tool applies the Connecticut 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 Connecticut debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.