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Massachusetts Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Massachusetts limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
Massachusetts debt statute-of-limitations calculator
These are the Massachusetts 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.
Two paths. A written acknowledgment or new promise must be a signed writing under c.260 §13 — an oral promise won't revive the debt. Separately, c.260 §14 ("part payment; effect") lets a voluntary partial payment of principal or interest restart the clock or remove the bar. Courts require a payment that actually cleared — a failed auto-withdrawal doesn't count.
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
- 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 Massachusetts debt statute-of-limitations reference, cited to M.G.L. c.260 §2; §13; §14.
How the Massachusetts debt clock works
Massachusetts uses one clean 6-year clock for all contract debt, "express or implied," so a credit card is 6 years however you slice it (c.260 §2). What makes Massachusetts notable is that its revival rule is written into the statute: a partial payment of principal or interest restarts the clock under c.260 §14, while a written acknowledgment or new promise must be a signed writing under c.260 §13. Courts do require a real, voluntary payment that actually cleared, so a bounced auto-withdrawal won't count, but a genuine payment on an old account will reopen the six years.
This tool applies the Massachusetts 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 Massachusetts debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.