50-State Limitation Tool

State Debt Statute of Limitations Calculator

A statute of limitations (SOL) on debt is the maximum statutory period during which a creditor or third-party debt buyer has the legal right to sue you to collect a debt. Once the statute of limitations expires, the debt is considered time-barred ("zombie debt"). Suing on time-barred debt is a violation of the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692e).

Evaluate Your Debt's Statute of Limitations

State Where You Reside or Signed Contract:

Category of Debt:

Date of Last Payment Made on Account:

Beware the "Debt Revival" Trap

CRITICAL WARNING: In many states, making a partial payment (even $5 or $10) or signing a written acknowledgment of an old debt restarts the statute of limitations clock from zero. Never make a partial payment on an old debt until you have verified whether the statute of limitations has already expired. (Note: New York explicitly banned debt revival under the Consumer Credit Fairness Act of 2022).