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.
An acknowledgement or later payment may restart the prescription period.
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.
Continue with a useful next step
- Understand the collection process
Read about the notices and documents that may accompany a debt.
- Received a Section 129 notice?
Prepare the notice for a conversation about your options.
- Discuss the account with a counsellor
Explain the circumstances before deciding what to do next.
- Choose another money tool
Find a calculator for interest, spending, savings or repayment planning.