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Utah Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Utah limitations period would run out for your debt type — credit-card debt runs 4 years, a written contract 6 years. Every result flags revival.
Utah debt statute-of-limitations calculator
These are the Utah 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).
Utah restarts the clock in more than one way. A written acknowledgment of the debt or a written promise to pay restarts it, and so does a payment on the debt (§78B-2-113; §78B-2-309). Even a small partial payment can revive an old account, which is why collectors ask for a token payment. Do not pay or sign anything about an old debt before you know whether the period has already run.
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)
- 4 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 Utah debt statute-of-limitations reference, cited to Utah Code §78B-2-309; §78B-2-307; §78B-2-113.
How the Utah debt clock works
Utah runs two different debt clocks, and which one applies decides whether an old account is still collectible. A contract founded on a written instrument gets 6 years under Utah Code §78B-2-309, while an oral contract or an open account gets 4 years under §78B-2-307. Credit cards sit right on that line: read plainly they look like open accounts (4 years), but Utah courts have often applied the 6-year written-contract period, and the state Supreme Court has never settled the split. Because of that gap, the cautious view for anyone being sued is to plan for 6 years on a card. Utah is also a restart state: a written acknowledgment, a written promise to pay, or even a small payment can revive an old debt. This page explains the numbers and the traps, but it is a reference, not legal advice.
This tool applies the Utah 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 Utah debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.