Georgia debt defense

Sued for Debt in Georgia? Here’s What to Do.

You have 30 days to respond.

Statute of limitations

6 years in Georgia

Georgia’s statute of limitations on debt is 6 years, codified at O.C.G.A. § 9-3-24. The clock typically runs from: date of last payment or last charge.

If the time-bar has run, the debt may not be legally collectible in court — but you generally have to raise the defense yourself. It is not raised automatically.

Your rights

What Georgia law gives you

Georgia Fair Business Practices Act (O.C.G.A. §§ 10-1-390 et seq.) gives you state-level protections beyond federal debt-collection law.
Georgia requires debt buyers to prove the chain of assignment from the original creditor.
Georgia courts enforce arbitration clauses in credit card agreements under the Federal Arbitration Act.
Cases in Georgia are heard in Georgia Superior Court or Magistrate Court.

The one thing most people miss

Key fact

Georgia's 6-year statute of limitations on written contracts is favorable to defendants. Check when you made your last payment — if it was over 6 years ago, the debt may be time-barred.

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