Tools · Debt
Kansas Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Kansas limitations period would run out for your debt type — credit-card debt runs 3 years, a written contract 5 years (K.S.A. §60-511). Every result flags revival.
Kansas debt statute-of-limitations calculator
These are the Kansas 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 Kansas the clock can restart. Under K.S.A. §60-520, a part payment of principal or interest, or a written and signed acknowledgment or promise to pay, starts a fresh limitation period from the date of that payment, acknowledgment or promise. A bare partial payment can restart the clock on its own, so avoid paying, promising to pay, or signing anything about an old debt before you check whether it is already time-barred.
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 Kansas debt statute-of-limitations reference, cited to K.S.A. §60-511; §60-512; §60-520; §84-3-118.
How the Kansas debt clock works
Kansas splits its debt clock in two. A written, signed contract carries a five-year limit under K.S.A. §60-511, while an oral agreement, an implied obligation, or an open account runs out in three years under K.S.A. §60-512. That two-year gap is where most Kansas credit-card fights happen: if the collector cannot produce a signed cardholder agreement, the debt looks like an open account on the shorter three-year clock, but if a signed written contract surfaces, a court may apply the five-year period. Several consumer sites simply call Kansas credit cards a five-year written contract, so the classification is genuinely unsettled. Promissory notes sit apart on their own six-year clock under the UCC, K.S.A. §84-3-118. Whatever the type, Kansas lets a part payment or a signed written promise restart the clock under K.S.A. §60-520.
This tool applies the Kansas 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 Kansas debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.