This guide helps with
- Understand that time limits may apply to some debts
- Recognise why getting independent advice matters here
- Avoid steps that could unintentionally affect your position
- Raise the question with us in writing
- Know where to get free, specialist help
5 min
What's happening
You believe this debt is very old and may be too old to be pursued. In Australia, time limits can apply to debts, but the rules depend on the type of debt, your state or territory, and what has happened with the account over time. Because acknowledging or paying a debt can sometimes affect those limits, this is an area where independent advice is especially valuable.
This is general information, not legal advice. Please get free, independent advice before relying on any time limit.
What to do
Before taking any step, consider getting advice so you understand your position and do not unintentionally affect it. You can ask us, in writing, when the debt arose and when the last activity on the account was, so you have the facts. Avoid making part payments or written acknowledgements until you have advice, as these can sometimes have an effect.
Step by step
- Note the reference and any dates you already have for the account.
- Write to us asking when the debt arose and the date of the last activity.
- Hold off on part payments or written acknowledgements until you have advice.
- Contact a free service to discuss whether a time limit may apply to your situation.
- Decide your next step based on that advice, and put any dispute in writing.
- Keep dated copies of everything.
What evidence helps
Dates are central here — when the debt arose, when you last paid, and when you last acknowledged it in writing. Old statements or letters showing those dates help. Our Help Centre has more general information about old debts, but the specifics really do call for advice.
Who to contact
For free, specialist advice about time limits, call the National Debt Helpline on 1800 007 007, which can refer you to a financial counsellor or legal service. You can raise your question with us through the contact page. If a dispute cannot be resolved, an external scheme such as AFCA may be able to consider it.
Good to know
- Time limits can apply to some debts, but the rules are complex and situation-specific
- Get independent advice before relying on any time limit
- Be cautious about part payments or written acknowledgements until you have advice
- Free, specialist help is available through the National Debt Helpline on 1800 007 007
FAQ
Does an old debt just disappear?
Not automatically, and the rules vary by debt type and state or territory. A time limit may affect whether it can be pursued, so get independent advice about your specific situation.
Could paying a little affect my position?
Possibly. A part payment or written acknowledgement can sometimes affect time limits. Get free advice before doing either if you think a debt may be too old.
Who can advise me on time limits?
The National Debt Helpline on 1800 007 007 can help and refer you to a financial counsellor or legal service for advice tailored to your circumstances.
Still stuck? Our team is happy to help you sort it out.