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Wyoming Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Wyoming limitations period would run out for your debt type — credit-card debt runs 8 years, a written contract 10 years. Every result flags revival.
Wyoming debt statute-of-limitations calculator
These are the Wyoming 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).
Wyoming is a restart state. Under §1-3-119, once a payment is made on the debt, or a written acknowledgment or signed promise to pay is given, the limitations clock runs fresh from that date. A single partial payment can restart the full period, so do not pay or promise anything on an old debt before you understand the consequences.
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)
- 8 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 Wyoming debt statute-of-limitations reference, cited to Wyo. Stat. §1-3-105(a)(i)-(ii); §1-3-119.
How the Wyoming debt clock works
Wyoming gives creditors more time than most states. A written contract carries a 10-year statute of limitations under Wyo. Stat. §1-3-105(a)(i), and an oral contract or open account runs 8 years under §1-3-105(a)(ii). Both periods are unusually long, so a Wyoming debt can stay enforceable well after it would have expired elsewhere. Credit cards are the gray area: with no separate rule, a card balance is usually treated as an open account (8 years), but a signed cardholder agreement can move it into the 10-year written-contract category. The bigger trap is revival. Under §1-3-119, a single payment or a signed acknowledgment restarts the whole clock, which matters a great deal when the base period is already 8 or 10 years.
This tool applies the Wyoming 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 Wyoming debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.