Tools · Debt
Texas Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Texas limitations period would run out for your debt type — credit-card debt runs 4 years, a written contract 4 years. Every result flags revival.
Texas debt statute-of-limitations calculator
These are the Texas 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 debt buyers, revival is abolished by statute: Tex. Fin. Code §392.307 (HB 996, effective September 1, 2019) says that once a debt is time-barred, no payment, reaffirmation, or other activity revives it. (Original creditors may still rely on a common-law written acknowledgment.)
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
- 4 years
- 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 Texas debt statute-of-limitations reference, cited to Tex. Civ. Prac. & Rem. Code §16.004; Tex. Fin. Code §392.307.
How the Texas debt clock works
Texas keeps a clean 4-year window across written, oral, and open accounts, and applies it to credit cards through §16.004 (with §16.051 catching anything left over). The state's standout protection is aimed at debt buyers: since 2019, Finance Code §392.307 says a debt buyer cannot revive a time-barred consumer debt with a payment, a reaffirmation, or any other activity. That closes the classic trap where a debt collector coaxes a small payment to reset the clock — though an original creditor can still rely on a signed written acknowledgment.
This tool applies the Texas 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 Texas debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.