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Florida Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Florida limitations period would run out for your debt type — credit-card debt runs 5 or 4 years, a written contract 5 years. Every result flags revival.
Florida debt statute-of-limitations calculator
These are the Florida 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.
Florida's revival statute, §95.04, is narrower than the myths suggest: to revive a debt that is already barred, the acknowledgment or new promise must be in a signed writing. Contrary to a widely repeated claim, §95.04 does NOT say a small ("$1") partial payment revives a time-barred debt.
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
- SOL period
- 4 years (or 5 with a signed agreement)
- 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 Florida debt statute-of-limitations reference, cited to Fla. Stat. §95.11(2)(b); §95.11(3)(j); §95.04.
How the Florida debt clock works
Florida is one of two states where a single number would genuinely mislead. A credit card is a 5-year written contract if the creditor can produce a signed cardholder agreement (§95.11(2)(b)) — but only a 4-year account if it can't (§95.11(3)(j)), which is common once the debt has been sold. So the honest answer is "5 or 4, depending on the paperwork." Florida is also where a popular myth needs killing: the revival statute (§95.04) requires a signed writing to revive a barred debt, and does not say a tiny partial payment resurrects it.
This tool applies the Florida 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 Florida debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.