Tools · Debt
Oregon Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Oregon limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
Oregon debt statute-of-limitations calculator
These are the Oregon 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 payment of principal or interest restarts the 6-year clock from the date of that payment (ORS 12.240). Separately, a new promise or acknowledgment must be in writing and signed to take a barred debt out of the statute (ORS 12.230). Warning: even a small payment on an old debt can restart the entire period, so do not pay or sign anything for a debt you think may be time-barred without advice.
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 Oregon debt statute-of-limitations reference, cited to ORS 12.080; 12.230; 12.240.
How the Oregon debt clock works
Oregon keeps its debt clock simple. ORS 12.080 puts almost every kind of contract debt on a single 6-year period, so written contracts, oral contracts, open accounts, promissory notes, and credit cards all share the same deadline. That uniformity spares Oregonians the open-account-versus-written-contract trap that trips people up in states with split periods. Credit-card debt is 6 years here, full stop. The clock generally starts at breach, which for most consumer debt means your default or last payment. Be careful about reviving an old debt: a partial payment restarts the whole period under ORS 12.240, and a signed written acknowledgment can take a barred debt back out of the statute under ORS 12.230.
This tool applies the Oregon 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 Oregon debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.