Tools · Debt
Indiana Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Indiana limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years (§34-11-2-9). Every result flags revival.
Indiana debt statute-of-limitations calculator
These are the Indiana 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 Indiana a voluntary partial payment, or a new promise or acknowledgment of the debt signed in writing, can restart the 6-year clock from that date (§34-11-9-1). Even a small good-faith payment can reopen a debt that was close to time-barred, so be careful before paying or signing anything on an old 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
- 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 Indiana debt statute-of-limitations reference, cited to Ind. Code §34-11-2-9; §34-11-2-7; §34-11-2-11; §34-11-9-1.
How the Indiana debt clock works
Indiana is unusual in how flat its debt clock is: almost every kind of consumer debt runs 6 years. Oral agreements and open accounts fall under Ind. Code §34-11-2-7, while promissory notes and written contracts for the payment of money fall under §34-11-2-9, and both of those are 6 years for anything executed after August 31, 1982. The 10-year period people sometimes cite comes from §34-11-2-11, but that section covers written contracts that are not for the payment of money, so it does not reach ordinary debt. That distinction, payment-of-money contracts at 6 years versus other written contracts at 10, is the detail most summaries get wrong. Credit-card debt is usually treated as an account, and even under the written-contract reading the period is still 6 years, so the classification argument does not change the deadline. The bigger risk in Indiana is revival: a partial payment or a signed written acknowledgment can restart the whole 6-year clock.
This tool applies the Indiana 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 Indiana debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.