Tools · Debt
Minnesota Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Minnesota limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years (§541.05, subd. 1(1)). Every result flags revival.
Minnesota debt statute-of-limitations calculator
These are the Minnesota 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, §541.053 is blunt: once the 6 years have run, the limitation is not revived by a payment, a bankruptcy discharge, or an oral or written reaffirmation. For non-consumer contracts, §541.17 still lets a signed written acknowledgment restart the clock, and it does not disturb the effect of a payment of principal or interest. Warning: on a debt that is not yet barred, making a payment or signing anything can extend or restart the time a creditor has to sue you.
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 Minnesota debt statute-of-limitations reference, cited to Minn. Stat. §541.05, subd. 1(1); §541.053; §541.17; §541.31.
How the Minnesota debt clock works
Minnesota keeps its debt clock refreshingly simple: almost every ordinary debt, written or oral, open account or credit card, runs on the same 6-year period under Minn. Stat. §541.05, subd. 1(1). A separate statute, §541.053, spells out that consumer debt (anything primarily for personal, family, or household use) also gets 6 years. The distinctive Minnesota wrinkle is the borrowing statute, §541.31: if your debt is substantively based on the law of another state, that state's shorter limitation period can apply instead of Minnesota's 6 years. For consumer debt there is real protection built in: once the 6 years expire, §541.053 says the clock is not revived by a later payment, a bankruptcy discharge, or a reaffirmation. Even so, on a debt that is still alive, a payment or a signed promise can reset the time a creditor has to sue.
This tool applies the Minnesota 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 Minnesota debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.