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Ohio Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Ohio limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
Ohio debt statute-of-limitations calculator
These are the Ohio 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 can restart the clock under §2305.08, and a written acknowledgment or new promise revives the debt. For credit-card accounts, Taylor v. First Resolution Investment Corp. limits this — accrual is fixed at the first missed payment — so this is treated as corroborated. A payment on an old account can still reopen the 6-year window.
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 Ohio debt statute-of-limitations reference, cited to Ohio Rev. Code §2305.06; §2305.07.
How the Ohio debt clock works
Ohio's numbers changed in 2021, and a lot of older guidance is now wrong. SB 13 shortened written contracts from 8 years to 6 and oral contracts from 6 to 4, effective June 16, 2021. It also added a consumer-transaction clause to §2305.07(C) that puts credit-card debt — as an "account stated, whether or not reduced to writing" — at 6 years, avoiding the written-versus-oral fight. If a source tells you Ohio is 8 years, it predates SB 13.
This tool applies the Ohio 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 Ohio debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.