Tools · Debt
Mississippi Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Mississippi limitations period would run out for your debt type — credit-card debt runs 3 years, a written contract 3 years (§15-1-49). Every result flags revival.
Mississippi debt statute-of-limitations calculator
These are the Mississippi 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).
Mississippi is stricter than most states in one way that helps borrowers: under §15-1-3(1), once the limitation period runs out it extinguishes the right itself, not just the remedy, so a barred debt is truly dead and a later payment cannot bring it back. Before the period runs, §15-1-3(2) says a partial payment, acknowledgment, or promise starts a fresh 3-year period. And under §15-1-73, an acknowledgment or new promise only counts as a new contract if it is in a writing signed by the person who owes the debt. Warning: a statute of limitations does not erase what you owe, and while the period is still open, a single voluntary payment or a signed note can restart the entire clock.
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)
- 3 years
- Last payment / activity
- Not entered
- Period runs out
- —
- Revival
- Only a signed writing revives it
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 Mississippi debt statute-of-limitations reference, cited to Miss. Code §15-1-49; §15-1-29; §15-1-3; §15-1-73; §75-3-118.
How the Mississippi debt clock works
Mississippi keeps its debt deadlines unusually simple: written contracts, oral contracts, and open accounts all run 3 years under the catch-all in Miss. Code §15-1-49 (with open and unwritten accounts also covered by §15-1-29). The main exception is a promissory note, which runs 6 years under UCC §75-3-118. Credit cards are treated as an open account, so they sit on the same 3-year clock. What sets Mississippi apart is §15-1-3(1): when the limitation period is complete, it "shall defeat and extinguish the right as well as the remedy," meaning a time-barred debt is legally dead, not merely unenforceable. To restart the clock before it runs, §15-1-73 requires that any acknowledgment or new promise be in a writing signed by the debtor.
This tool applies the Mississippi 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 Mississippi debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.