Prescribed debt checker
An educational estimate from dates and flags you enter. It never says a debt is prescribed.
One debt
Check one account at a time. Figures stay on this page.
The last time money went to this creditor on this account.
A later payment or signed acknowledgement restarts the three-year clock.
Summons or judgment stops this checker at seek advice.
Only ordinary consumer debt uses the three-year clock on this page.
Results
Enter the dates and flags, then press Check.
This page is educational. It is not legal advice, not a National Credit Act disclosure, and not a finding that a debt has prescribed. Speak to an NCR-registered counsellor or another professional before you make decisions.
How the estimate works
The three-year clock
For ordinary consumer debt with no summons or judgment, the clock runs three years from the later of last payment and a later acknowledgement or payment.
Seek advice first
Tax, maintenance, mortgage, other types, summons, and judgment do not get a remaining date here.
What this is not
It is not an NCA disclosure, not a court finding, and not a statement that a debt is prescribed.
Common questions
Does this page say a debt is prescribed?
No. The strongest wording is that a debt may have prescribed. Verify with a professional.
Is this a National Credit Act disclosure?
No. The estimate is educational. It is not an NCA disclosure and not legal advice.
What if there is a summons or judgment?
The checker stops at seek advice. It does not compute remaining time.