Start My Answer

Debt Collection Laws in Georgia

Sarah Edwards | July 26, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If a collection agency is pursuing you for debt in Georgia, you need to understand your rights and prepare for any actions the agency can take against you. George debt collection laws prevent debt collectors from lying, harassing, and intimidating in order to collect money owed. If you’ve been sued for debt in Georgia, SoloSuit can help you protect your rights and defend yourself in court.

Summary: If a collection agency is pursuing you for debt in Georgia, you need to understand your rights and prepare for any actions the agency can take against you. George debt collection laws prevent debt collectors from lying, harassing, and intimidating in order to collect money owed. If you’ve been sued for debt in Georgia, SoloSuit can help you protect your rights and defend yourself in court.

When you check your mail each day, you’re probably not expecting a debt collection notice. Debt collection letters are incredibly frustrating, especially if you know you owe the money but don’t have enough to repay it. If you receive one, you know that more will come, along with many phone calls and emails.

Debt collectors aren’t known for being the most reputable of characters, and some collection agencies may use illegal tactics to collect debts. Remember, no one can harass or abuse you, even if you owe them money.

Sued for debt in Georgia? SoloSettle can help you settle your debt and avoid going to court.

Settle with SoloSettle

Make an Offer

Georgia’s Fair Business Practices Act regulates collection agencies

The Fair Business Practices Act (FBPA), or O.C.G.A. § 10-1-391, applies to collection agencies in Georgia. Under the FBPA, collection agencies cannot use deceptive practices to collect a debt from a consumer. Specifically, collection agencies cannot do any of the following:

  • Pretend to be someone they’re not, like an officer of the law.
  • Fail to identify who they are in written or spoken communications.
  • Obtain your information from a consumer reporting agency under false pretenses.

Georgia recognizes federal legislation concerning debt collectors, including the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from taking the following actions:

  • Contacting the debtor at work if the debt collector knows the employer does not permit the calls.
  • Telling other people, like the debtor’s friends or colleagues, about the debt.
  • Continuing to contact the debtor if the debtor expressly asks them not to in a written letter, unless the collection agency intends to invoke legal action.
  • Using obscene language when communicating with the debtor concerning a debt.

If you believe a collection agency is harassing you or using deceptive means to collect a debt, you should file a complaint with the Georgia Department of Law’s Consumer Protection Division and the FTC.

Pay attention to Georgia’s statute of limitations on debts

Once a debt becomes time-barred due to Georgia’s Statute of Limitations laws, a collection agency cannot take legal action against you to collect a debt. The Statute of Limitations laws for various types of obligations are as follows:

Statute of Limitations on Debt in Georgia

Debt Type Deadline
Credit Card 4 years
Medical 6 years
Student Loan 6 years
Auto Loan 6 years
Mortgage 6 years
Personal Loan 6 years
Judgment 7 years
Ga. Code § 9-3-25, § 9-3-24, and § 9-12-60

If a collection agency tries to sue you for a time-barred debt, these actions violate the FDCPA and Georgia state laws. You should file an Answer with your court indicating that the obligation is time-barred, along with any supporting evidence you have.

You may also file a complaint with the FTC and the Georgia Department of Law’s Consumer Protection Division.

How to handle a debt collection notice in Georgia

If you’re on the radar of a collection agency in Georgia, try to approach the situation objectively, no matter how frustrated and angry you feel. Carefully read the letters you receive and determine whether you recognize the debt. The letter should include the original creditor's name and identifying information, like your account number.

You should compare the amount the collection agency requests with your records. Sometimes, collection agencies will inflate the amount you owe, whether accidentally or otherwise. Note any discrepancies you find.

Next, you’ll want to request debt validation from the collection agency. The FDCPA provides you with 30 days to request proof from the initial receipt of a debt collection notice. After 30 days, the collection agency assumes the obligation is valid.

In your Debt Validation Letter, you should request the following:

  • Proof the collection agency has the right to collect the debt from you.
  • Calculation of any additional fees or interest the collection agency includes with your obligation.
  • Confirmation that the debt isn’t past the Georgia Statute of Limitations on debt.
  • A record of the last transaction you made concerning the account.

If you need help writing a Debt Validation Letter, use SoloSuit’s Debt Validation Letter template.

After you request a debt validation, the collection agency must cease further activity until it provides the requisite details.

What happens after a collection agency validates a debt

If the collection agency can supply evidence that the debt is yours and it has the right to collect it, you’ll need to make some decisions. If the debt isn’t past the Statute of Limitations, the agency may try to sue you if you don’t take any action to repay the bill.

You have three options for resolving the debt and avoiding court: setting up a payment arrangement, repaying the debt, or settling it.

A payment arrangement allows you to make regular payments toward the debt’s balance. The payments continue until you fully repay the obligation.

Repaying the debt requires you to come up with the entire balance at once. If you repay the debt, you’ll no longer need to worry about the collection agency or a potential lawsuit. However, repaying a debt may be tricky if you have little extra income or savings.

Your last option is settling the debt. A collection agency may accept a settlement offer for less than the total amount of the obligation if it thinks it’s unlikely to collect the entire balance from you.

Let’s consider an example.

Example: Bluelight Collection Agency validates a $1,000 debt that Tony owes for an old credit card. The debt isn’t past Georgia’s Statute of Limitations, and Tony thinks there is a high likelihood of a lawsuit if he doesn’t take quick action. Tony offers Bluelight Collection Agency $500 to settle the debt and close the account. Bluelight Collection Agency agrees to Tony’s settlement offer. After receiving the money, it reports Tony’s account settled to the credit bureaus.

Is a Georgia collection agency suing you for debt? SoloSuit can help you respond in court and stand up for your rights. Check out the following video to learn more about how to win your Georgia debt collection lawsuit:

Georgia debt collection laws align with the FDCPA

Georgia follows the federal debt collection guidelines set forth by the FDCPA. If a collection agency is pursuing you for money, look out for potential violations, and don’t hesitate to file a complaint. Your complaint will put the collection agency back in its lane, and it will need to stop any actions that violate your rights.

Don’t let a Georgia debt collector win a lawsuit against you! Settle the debt with SoloSettle.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather

Get Started