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Michigan Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Michigan limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
Michigan debt statute-of-limitations calculator
These are the Michigan 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.
A partial payment restarts the 6-year clock under Michigan case law (unless the payment is accompanied by a declaration disputing the debt). A written acknowledgment also revives it — but a verbal acknowledgment is not enough (case law plus §600.5866). A payment on an old account can reopen the window.
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 Michigan debt statute-of-limitations reference, cited to MCL §600.5807(9); §600.5866.
How the Michigan debt clock works
Michigan keeps things uniform: a single 6-year contract period (§600.5807(9)) covers nearly all consumer debt, including credit cards, with no oral-versus-written split to argue about. The wrinkle is accrual — Michigan courts have gone back and forth over whether a revolving account's clock runs from the last payment or from contractual maturity, though the last-payment/default view generally wins. Revival is the common-law kind: a partial payment restarts the whole 6 years, and only a written acknowledgment (never a verbal one) will do the same.
This tool applies the Michigan 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 Michigan debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.