Georgia Statute of Limitations on Debt Collection

When a debt in Georgia is not paid for a long time (for medical bills, unpaid loads, unpaid credit card bills), the creditor may file a lawsuit against them so they can get a judgment. A judgment allows for the creditor to collect money through wage garnishments or seizing money from your bank accounts or other personal property.

Before a consumer agrees to pay off their debt, they should check what the statute of limitations is for their state to ensure that the debt is still due and payable. In Georgia:

• Written contracts: 6 years from the time that the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24)
• Open account, implied promise or undertaking has a statute of limitation: 4 years (OCGA 9-3-25)

If you want to get any more information or if you have questions about the Statute of Limitations in Georgia, contact The Consumer Advocacy Center at 312-782-5808.