User blog comment:KillRoy231/Bobby's deal with Crowley - Plot hole/@comment-184.15.240.31-20180808113314

You answered your own question. Yes, it was because the time had not come due. Just because some contracts pay off early, that doesn't change the agreements in the deal. When someone dies early they aren't technically going to hell per the contract and instead they are going there as a result of broken covenant with god. The contracted deal is the behavior that results in god sending them to hell as opposed to the terms of the deal coming due.

Dean's deal was completed because he was taken to hell by terms of the contract. It has expired when Castiel raised him from hell. Being raised from hell by an angel also prevented Dean from returning as a demon. The situations are very different with only a contract being the real similarity.

That they did not visit the fact of whether Bobby was sent to hell briefly or not does not mean it didn't happen. With time in hell going much faster than on earth, Bobby may have been there for several hours even though he was dead maybe ten minutes, if that. That certainly can then lead to debate about whether there would be time for his torment to begin or for his soul to fully make the transition and things of that nature.

Whether any of that is acceptable or not, the short conclusion is the contract is for ten years. Roughly, say you contract with someone that a specific payout will happen in a year for services rendered. Before the year is up, another situation arises and a payment equal to the payout agreed to is delivered.

Say a car is transferred. If that car is possessed by the contract owner when the contract term ends, he simply continues to possess the car. If the car is transferred to the contract holder for another reason before end of term but subsequently returned to the original owner prior to the end of term, then the original payment per contract remains in force. The contract holder in a transfer of anything less than a soul may want to renegotiate or sue for additional considerations if the payment item has already been transferred to them under different circumstances prior to end of term but there is no higher consideration possible when the soul is the item.