Statute of Limitations Checker

Find out if a collector can still legally sue you - and how much time is left on the clock.

If unsure, use the month you stopped paying. The SoL clock typically starts from the date of first default or last payment.

Statute of Limitations Result

SoL Period in Your State
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SoL Expiration Date
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Status
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Important Notes About Statute of Limitations

  • The clock can restart. Making a payment, even a small one, can restart the SoL in some states. Never make a partial payment on old debt without knowing your state's rules.
  • Expired SoL doesn't erase the debt. The debt still legally exists after the SoL expires. Collectors can still contact you and report to credit bureaus. They just can't win in court.
  • Credit reporting is separate. The 7-year credit reporting clock is separate from the SoL. A debt can be past the SoL but still on your credit report.
  • State may vary for the collector's location. Some collectors sue in their home state, not yours. The applicable SoL may be disputed.

See the full guide: Statute of Limitations on Debt by State.