Tools · Debt
Maine Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Maine limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years (§752). Every result flags revival.
Maine debt statute-of-limitations calculator
These are the Maine 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).
For consumer debt, once the 6-year period runs out, nothing brings it back: 32 M.R.S. §11013(8) says a later payment, a written or oral affirmation, or any other activity does not revive or extend the period. Before the deadline, only an express written promise or acknowledgment signed by you can restart the clock (14 M.R.S. §860); a partial payment alone does not (14 M.R.S. §863). A written signed promise can restart the clock, so read anything a collector asks you to sign before you sign it.
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
- Once barred, it stays barred
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 Maine debt statute-of-limitations reference, cited to 14 M.R.S. §752; §751; §860; §863; 11 M.R.S. §3-1118; 32 M.R.S. §11013(8).
How the Maine debt clock works
Maine keeps its debt deadlines unusually simple: one flat 6-year clock covers written contracts, oral contracts, and open accounts alike under 14 M.R.S. §752, so credit-card debt is 6 years too. The main wrinkle is promissory notes. An ordinary note runs 6 years (11 M.R.S. §3-1118), but a note signed before a witness, a contract under seal, or a bank-issued note runs a full 20 years under 14 M.R.S. §751. Maine also gives consumers a strong extra shield: 32 M.R.S. §11013(8) bars any collection suit filed more than 6 years after your last activity on the debt, and it says a later payment or acknowledgment does not revive an expired consumer debt. That makes Maine one of the friendlier states once the clock has run out. Before the deadline, though, an express written promise you sign can still restart it (14 M.R.S. §860), so read anything a collector asks you to sign.
This tool applies the Maine 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 Maine debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.