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Kentucky Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Kentucky limitations period would run out for your debt type — credit-card debt runs 5 years (contested), a written contract 10 years (executed on/after Jul 15, 2014). Every result flags revival.
Kentucky debt statute-of-limitations calculator
These are the Kentucky 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).
A voluntary partial payment, or a signed written acknowledgment or new promise to pay, can restart the Kentucky clock and give a creditor a fresh full period. The safest written trigger is a signed acknowledgment, but treat any payment on an old debt as potentially reviving it. A statute of limitations does not erase the debt; it only limits the time to sue, and reviving it can undo that protection.
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)
- 5 years (contested)
- 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 Kentucky debt statute-of-limitations reference, cited to KRS §413.160; §413.120; §413.090; §355.3-118.
How the Kentucky debt clock works
Kentucky changed its written-contract clock in 2014, so the date you signed matters. A written contract executed on or after July 15, 2014 has a 10-year limitation under KRS 413.160, while one signed before that date keeps the older 15-year period under KRS 413.090. Oral or unwritten contracts are 5 years under KRS 413.120. Credit-card debt is the hard part: no Kentucky appellate court has settled whether a card agreement is a "written contract" or an unwritten one, and federal courts in Kentucky have leaned toward the shorter 5-year period, while creditors often argue for 10. Because of that split, the credit-card number here is best read as 5 years with a real chance a creditor claims 10. And note the warning that applies statewide: a partial payment or a signed written promise can restart the clock even on an old debt.
This tool applies the Kentucky 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 Kentucky debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.