Georgia Statute Of Limitations On Debt (2026)
Check A Georgia Debt's Statute Of Limitations
Pick the debt type and your last payment or activity date to see whether a Georgia debt may be time-barred. Nothing you enter is stored.
A Payment Can Reset The Georgia Deadline
In Georgia, a single payment or a written promise to pay can restart the limitations period on a debt that was almost time-barred. That is why it pays to check the dates first. A time-barred Georgia debt is not gone, but the expired statute is a defense a collector cannot easily get around.
How The Georgia Statute Of Limitations Works
The Georgia clock generally starts on the date of your last payment or activity on the account, not the date you opened it. For most credit cards it runs about 4 years; written contracts run 6, oral agreements 4, and promissory notes 6. Once the Georgia period runs out, the debt is time-barred and a collector generally cannot win a lawsuit if you raise the expired statute as a defense.
If You Are Being Pursued On A Georgia Debt
Whether a Georgia debt is old or current, you have options: raising the statute if it has expired, disputing the amount, or negotiating a settlement to resolve it. If a lawsuit has been filed, respond by your deadline and consider a licensed attorney. CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Frequently Asked Questions
What is the statute of limitations on credit card debt in Georgia?
In Georgia, credit card and open-account debt generally has about a 4-year limit, counted from your last payment or activity. After that it is usually time-barred.
What is the Georgia statute of limitations on a written contract?
Generally 6 years in Georgia, measured from the last payment or activity. Oral agreements run about 4 years and promissory notes about 6.
Does an old debt disappear after the Georgia statute of limitations?
Not automatically. In Georgia the debt remains and can still be requested, but once the statute has expired a collector generally cannot win a lawsuit if you raise it. Credit reporting follows its own separate timeline.
Can paying restart the Georgia statute of limitations?
Often yes. A payment, a new written promise, or sometimes even acknowledging the debt can restart the clock, giving a collector fresh time to sue. Check the dates before paying on an old account.
Does CuraDebt give legal advice about the statute of limitations in Georgia, and is it a law firm?
CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
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- National statute of limitations calculator
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