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Montana Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Montana limitations period would run out for your debt type — credit-card debt runs 5 years, a written contract 6 years. Every result flags revival.
Montana debt statute-of-limitations calculator
These are the Montana 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).
Montana is a restart state. Under §27-2-409, either a signed written acknowledgment of the debt or a part payment causes the statute of limitations to begin running anew. Part payment is any payment of principal or interest, so even a small voluntary payment can restart the entire clock. Be careful before paying or acknowledging an old debt.
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)
- 5 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 Montana debt statute-of-limitations reference, cited to Mont. Code Ann. §27-2-202; §27-2-409.
How the Montana debt clock works
Montana used to have one of the longest written-contract clocks in the country at 8 years, but that number is now out of date. Under the current text of Mont. Code Ann. §27-2-202, a written contract carries a 6-year limit, after lawmakers cut it from 8 through Ch. 665, L. 2023. Debts that are not founded on a signed writing, including oral contracts and open accounts, run for 5 years under §27-2-202(2). Credit-card debt is usually treated as an open account at 5 years, though a signed cardholder agreement could push it into the 6-year written bucket, and that classification is debated. Montana is also a restart state: under §27-2-409, a part payment or a signed written acknowledgment makes the clock start over. That is why an old, nearly barred debt deserves careful handling before you pay anything.
This tool applies the Montana 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 Montana debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.