Tools · Debt
North Dakota Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the North Dakota limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
North Dakota debt statute-of-limitations calculator
These are the North Dakota 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).
North Dakota lets a debt clock restart two ways. A new promise or acknowledgment only counts if it is in a writing signed by the person being charged (§28-01-36). But that same section preserves the effect of a payment: a voluntary partial payment of principal or interest can restart the full 6-year period on its own, with no signature needed. Be careful before paying or signing anything on an old debt, because either step can reopen the 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)
- 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 North Dakota debt statute-of-limitations reference, cited to N.D.C.C. §28-01-16(1); §28-01-36; §28-01-37.
How the North Dakota debt clock works
North Dakota keeps its debt clock unusually simple: written contracts, oral contracts, open accounts, promissory notes, and credit cards all share one 6-year limitations period under N.D.C.C. §28-01-16(1). Many states split oral from written or push credit cards onto a shorter open-account clock, but North Dakota does not, so the same six years applies across the board. The clock generally starts when the account fell into default, usually right after your last payment. The main exception people trip on is the sale of goods, which the Uniform Commercial Code holds to 4 years, and court judgments, which run 10 years. Watch the revival rules closely: a written signed promise can restart the clock under §28-01-36, and a voluntary partial payment can do the same. Because both moves can reopen a debt that was about to expire, think carefully before paying or signing anything on an old North Dakota account.
This tool applies the North Dakota 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 North Dakota debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.