Tools · Debt
New Jersey Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the New Jersey limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
New Jersey debt statute-of-limitations calculator
These are the New Jersey 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 voluntary partial payment restarts the clock under New Jersey's court-made rule (a partial payment counts as an acknowledgment). A verbal acknowledgment is not enough: §2A:14-24 requires any acknowledgment or promise, other than a part-payment, to be in a signed writing.
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 New Jersey debt statute-of-limitations reference, cited to N.J.S.A. §2A:14-1; §2A:14-24.
How the New Jersey debt clock works
New Jersey keeps it simple with a flat 6-year clock: §2A:14-1 sweeps written contracts, oral contracts, and open accounts into one period, so whether a credit card is "written" or "open" never changes the answer. The clock starts at your first missed payment, not at some later discovery date. The catch is revival — New Jersey follows the classic partial-payment rule, so a voluntary payment on an old account restarts the whole six years. A verbal acknowledgment won't revive a debt, but a signed writing (or that partial payment) will.
This tool applies the New Jersey 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 Jersey debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.