Tools · Debt
Delaware Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Delaware limitations period would run out for your debt type — credit-card debt runs 3 years, a written contract 3 years (§8106). Every result flags revival.
Delaware debt statute-of-limitations calculator
These are the Delaware 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).
Delaware has generous revival rules. A voluntary partial payment is treated as a strong acknowledgment of the debt and can restart the 3-year clock, and if clearly tied to the debt it may revive a claim that has already expired. A signed written acknowledgment or new promise has the same effect. Making a payment or admitting the debt in writing can hand a creditor a fresh window to sue.
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
- 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 Delaware debt statute-of-limitations reference, cited to 10 Del. C. §8106; 6 Del. C. §3-118; 6 Del. C. §2-725.
How the Delaware debt clock works
Delaware keeps debt limitations short and largely uniform: 10 Del. C. §8106 sets a flat 3 years for actions on a contract or a promise, whether the agreement is written or oral, and there is no separate longer open-account clock. That 3-year period is what governs credit-card debt. This matters far beyond Delaware residents, because Delaware is where many major card issuers are chartered and many cardholder agreements name Delaware law, so the 3-year clock can reach out-of-state cardholders. Two exceptions sit outside §8106: a promissory note payable at a definite time runs 6 years under the UCC (6 Del. C. §3-118), and a contract for the sale of goods runs 4 years (6 Del. C. §2-725); instruments under seal can run 20 years. The revival rule is the trap here: in Delaware a partial payment or a signed written acknowledgment can restart the clock, and a clear payment may even revive a debt that was already time-barred.
This tool applies the Delaware 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 Delaware debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.