George Simons | October 19, 2022
Summary: If you're struggling with debt in Georgia, SoloSuit can help you find the relief you need.
When it comes to personal finance and debt management, Georgia residents are not doing great. For example, at the end of 2020, Georgia was ranked seventh in the nation for total credit card debt carried by residents. In addition, the Peach State was ranked fifth for student loan debt, and third in the entire country for the average amount owed toward auto loan debt.
These statistics explain why one study ranked Georgia residents in the top-10 (No. 6 specifically) for bad money management skills. Georgia residents achieved this dubious honor due to the aforementioned debt loads being carried by the average resident, along with the state's median household income (29th) and average credit score (45th).
If you are a resident of Georgia and staring at a mountain of debt, now is the time for action. Now is the time to explore debt relief options in Georgia.
Let's jump right in.
Residents of Georgia struggling with debt may be able to access state and local programs to help get them through a phase of financial hardship. These programs typically provide financial assistance housing, subsidized child care, foreclosure aid, medical expenses, legal aid, utility bill relief, and benefits for purchasing groceries. Below is a list of just some of the assistance programs available to Georgia residents:
If you owe debt, you may be familiar with the aggressive tactics that debt collectors use to get you to pay it off. Luckily, Georgia and the federal government have debt collection laws in place to protect you from abusive debt collection practices.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that keeps debt collectors in check and protects consumers like you. Under the FDCPA, debt collectors cannot:
If you feel like you are a victim of one of these FDCPA violations, you should report it to the Federal Trade Commission (FTC).
Georgia also has state-specific laws to protect consumers. One of the most important laws in place is the statute of limitations on debt in Georgia. This is basically a deadline that debt collectors must follow to be able to sue for a debt in court. If the statute of limitations is past, debt collectors cannot take certain cases to court.
Learn about the statute of limitations on debt in Georgia for different types of debt:
Georgia Statute of Limitations
Deadline in Years
If you start making payments on an old debt, the clock will reset on the statute of limitations, so make sure to check it before you pay a debt collector anything. A debt collector may keep contacting you about an old debt, but they won't be able to sue you for it once it passes the statute of limitations.
The list below is a sampling of different strategies you could consider adopting to help pay down your debt.
If you reside in Georgia and are struggling with a significant amount of debt (whether that be credit card debt, student loan debt, medical debt, etc.), do not throw your hands up in despair and embrace a life where you are perpetually dragged down by debt service payments. There are options available to show you how to get debt relief in Georgia. Those options may include:
No matter the option you choose, SoloSuit is here to help. Check out these informational resources to provide additional insight on the best ways to get debt relief:
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.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here 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.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
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
Need more info on statutes of limitations? Read our 50-state guide.
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