Tools · Debt
New York Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the New York limitations period would run out for your debt type — credit-card debt runs 3 or 6 years, a written contract 6 years. Every result flags revival.
New York debt statute-of-limitations calculator
These are the New York 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.
For consumer debt, there is no revival after the period expires: §214-i states that once the period ends, "any subsequent payment toward, written or oral affirmation of or other activity on the debt does not revive or extend" it. (Non-consumer debts can still be revived by a signed writing under Gen. Oblig. Law §17-101.)
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
- 3 years (consumer) / 6 years (general)
- 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 New York debt statute-of-limitations reference, cited to CPLR §213(2); CPLR §214-i.
How the New York debt clock works
New York quietly became one of the most consumer-protective states in 2022. The old answer — 6 years for a credit card under §213 — is now the trap answer. The Consumer Credit Fairness Act added CPLR §214-i, which sets a 3-year period for any action on a consumer credit transaction, and, crucially, says that once that 3 years runs, no later payment or acknowledgment can revive the debt. General business contracts still get 6 years, but for ordinary consumer credit-card debt the number to know is 3.
This tool applies the New York 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 York debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.