Tools · Debt
New Hampshire Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the New Hampshire limitations period would run out for your debt type — credit-card debt runs 3 years, a written contract 3 years (RSA 508:4). Every result flags revival.
New Hampshire debt statute-of-limitations calculator
These are the New Hampshire 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).
A voluntary partial payment or a written acknowledgment that admits the debt and shows a willingness to pay can restart the 3-year clock and give a creditor a fresh period to sue. The New Hampshire Supreme Court applied this rule in Premier Capital v. Gallagher, 144 N.H. 284 (1999): payments or acknowledgments that imply a renewed promise to pay will toll the limitations period. Do not make a payment or sign anything on an old debt before you check whether the clock has already run.
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
- 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 New Hampshire debt statute-of-limitations reference, cited to RSA 508:4; RSA 382-A:3-118 (notes); RSA 508:8 (revival).
How the New Hampshire debt clock works
New Hampshire runs almost all debt on one short clock: three years, under RSA 508:4, the general limit for personal actions. That single rule covers written contracts, oral contracts, open accounts, and credit cards alike, which makes New Hampshire simpler than many states but also one of the shortest windows in New England. Every state that borders it (Maine, Massachusetts, Vermont, and Connecticut) gives creditors six years on credit-card debt, so a card balance goes stale here in half the time. The main thing that does not fit the 3-year rule is a negotiable promissory note, which the Uniform Commercial Code (RSA 382-A:3-118) puts at six years. Be careful with old accounts: in New Hampshire a partial payment or a written acknowledgment can restart the clock and hand a creditor a fresh three years.
This tool applies the New Hampshire 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 New Hampshire debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.