What starts Illinois’s ten-year limitation for written obligations?

Classify the obligation under Section 13-206 and check its express UCC Section 2-725 exception.

Establish ordinary accrual or the qualifying written payment or new promise that starts the statutory interval.

For a covered promissory note, separately establish its date, due date, acceleration or demand facts.

1. Classify the obligation under Section 13-206 and check its express UCC Section 2-725 exception.
2. Count ten calendar years from the independently established statutory start and apply Section 1.11’s final-day treatment. Do not infer a restart from an unqualified payment or replace a demand-note nonpayment analysis with this date count.
3. Check the final weekend, statutory holiday and the proper court’s actual calendar.
4. Commence the properly classified action within the applicable statutory period. Preserve the written instrument, accrual or restart evidence, note dates, demand or acceleration record and actual filing evidence.

Section 1.11 excludes a final Saturday, Sunday or statutory holiday and consecutive excluded days. Section 17(a) of the Promissory Note and Bank Holiday Act includes Pulaski Day, Good Friday and the general election for members of the House of Representatives. Check proclamations, the proper court’s actual calendar and clerk access separately. The bundled Illinois calendar covers 2026 and 2027.

Fictitious example

Use an independently established ordinary accrual or qualifying written-payment or new-promise start. The calculator does not determine acceleration, demand, qualification of a promise or continuous nonpayment. Fictitious established event. No extension, tolling, competing deadline or special order is assumed.

Fictitious facts. The event and statutory classification are independently established. The calculator does not determine accrual, legal disability, fraudulent concealment, effective agency service or an actual court extension.

The UCC exception remains express

Section 13-206 excepts UCC Section 2-725. The ten-year preset does not classify a sale-of-goods contract or override that exception.

The current text includes mortgage-secured indebtedness

The official Section 13-206 text effective August 21, 2026 includes indebtedness of any kind secured by a mortgage. A current wording change does not establish every historical obligation’s applicable law.

A written payment or new promise has its own interval

The statute addresses a qualifying payment or new promise to pay made in writing within or after the ten-year period on the listed written obligations. Ten years then runs from that payment or promise. Qualification must be established before using its date.

Definite-date notes have stated accrual alternatives

For promissory notes dated on or after the 1997 amendment’s effective date, the section specifies due date, stated date or acceleration for a note payable at a definite date. Obtain the actual instrument and acceleration record.

Demand notes require separate demand and nonpayment facts

For covered demand notes, the section gives ten years after demand. It also bars enforcement where no principal or interest was paid for ten continuous years and no demand occurred. This one-date preset does not establish those negative facts.

Later disability has a bounded stay

Section 13-211(b) caps the stated Section 13-206 disability stay at ten years from disability adjudication. It is distinct from subsection (a)’s disability-at-accrual rule.

• This calculation does not determine whether relief is available or whether the facts satisfy the statute.
• A current statutory edition does not establish the law for every historical claim. Preserve the applicable edition and actual orders.

• Classify the obligation under Section 13-206 and check its express UCC Section 2-725 exception.
• Establish ordinary accrual or the qualifying written payment or new promise that starts the statutory interval.
• For a covered promissory note, separately establish its date, due date, acceleration or demand facts.
• Section 13-206 excepts UCC Section 2-725. The ten-year preset does not classify a sale-of-goods contract or override that exception.
• The official Section 13-206 text effective August 21, 2026 includes indebtedness of any kind secured by a mortgage. A current wording change does not establish every historical obligation’s applicable law.
• The statute addresses a qualifying payment or new promise to pay made in writing within or after the ten-year period on the listed written obligations. Ten years then runs from that payment or promise. Qualification must be established before using its date.
• For promissory notes dated on or after the 1997 amendment’s effective date, the section specifies due date, stated date or acceleration for a note payable at a definite date. Obtain the actual instrument and acceleration record.
• For covered demand notes, the section gives ten years after demand. It also bars enforcement where no principal or interest was paid for ten continuous years and no demand occurred. This one-date preset does not establish those negative facts.
• Section 13-211(b) caps the stated Section 13-206 disability stay at ten years from disability adjudication. It is distinct from subsection (a)’s disability-at-accrual rule.
• Commence the properly classified action within the applicable statutory period. Preserve the written instrument, accrual or restart evidence, note dates, demand or acceleration record and actual filing evidence. File with the proper clerk in the required format. Rule 9 ordinarily requires civil electronic filing, subject to its exceptions and exemptions. Rule 9(f) ordinarily requires submission before midnight in the court time zone unless a statute, rule or actual order specifies a different time. A submission on a closed clerk day ordinarily receives the next open-day stamp. Preserve the actual electronic file mark, receipt and any filing-relief order. Filing and service are distinct acts.