🇨🇦 Debt Collection Limitation Period in Ontario (2026)

Were you under 18 years old when the incident occurred?

If you were a minor when you were harmed, most states pause ("toll") the statute of limitations until you turn 18. The clock then typically begins running on your 18th birthday.

Medical malpractice frequently has special, shorter rules for minors. Government claims often have short notice deadlines that are NOT tolled for minors.

Were you on active military duty when the incident occurred (or during the limitations period)?

The federal Servicemembers Civil Relief Act (SCRA) can pause the limitations clock during your period of active-duty military service.

The SCRA tolls the clock during service; it does not extend it indefinitely. Document your service dates.

Did the defendant leave (or stay out of) your state after the incident?

Many states pause the clock for any period the defendant was absent from the state, on the theory that you could not easily serve them with a lawsuit.

Not all states have this rule, and some limit it (e.g., it doesn't apply if the defendant could still be served via the state's long-arm statute).

Were you legally incapacitated (e.g., mentally incompetent) at the time of the incident?

If you were under a legal disability — such as being mentally incompetent — many states pause the clock until the disability is removed.

The definition of 'incapacity' is strict and state-specific. This usually requires medical or legal documentation.

Did you discover the harm later than when it actually occurred?

Under the 'discovery rule,' the clock starts when you knew — or reasonably should have known — about your injury and its cause, rather than on the date of the underlying event. This matters most for latent injuries (e.g., asbestos disease, surgical errors found years later).

Whether the discovery rule applies — and how 'should have known' is judged — varies significantly by state and claim type.

Did the defendant actively hide their wrongdoing from you?

If the defendant took active steps to conceal their wrongdoing, many states pause the clock until you discovered (or should have discovered) the concealed facts.

This is a fact-intensive exception that usually requires strong evidence and an attorney's evaluation.

Your tolling summary

• No tolling factors selected.

⚠️ These are general guidelines, not legal advice. Tolling rules are highly state- and fact-specific. Your actual deadline may differ — confirm it with a licensed attorney in your jurisdiction before relying on it.