Statute of Limitations on Debt in Georgia
How long a creditor or collector has to sue you over a debt in Georgia, and whether a payment restarts the clock.
Short answer: 6 years after the debt becomes due and payable for an action on a simple written contract. O.C.G.A. § 9-3-24
| Time limit to sue on a written contract | 6 years after the debt becomes due and payable for an action on a simple written contract. Official code published only via LexisNexis; text verified on a public mirror (FindLaw, current as of March 28, 2024). Source: O.C.G.A. § 9-3-24 |
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| Time limit for credit cards and open accounts | 4 years for open accounts, for contracts not signed by the person being sued (such as oral agreements), and for implied promises. Public mirror (FindLaw). Source: O.C.G.A. § 9-3-25 |
| Can a payment restart the clock? | Yes, if in writing. A new promise to pay restarts the period (or revives a barred debt) only if it is in writing, in the debtor's handwriting or signed by the debtor or someone authorized. A payment recorded on a written evidence of the debt, or any other written acknowledgment of the debt, counts as a new promise. Public mirror (FindLaw). § 9-3-112: https://codes.findlaw.com/ga/title-9-civil-practice/ga-code-sect-9-3-112/ Source: O.C.G.A. §§ 9-3-110, 9-3-112 |
Where to get help in Georgia
More Georgia debt & collections
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FAQ
What is the statute of limitations on debt in Georgia?
6 years after the debt becomes due and payable for an action on a simple written contract.
How long can a creditor sue on a credit card debt in Georgia?
4 years for open accounts, for contracts not signed by the person being sued (such as oral agreements), and for implied promises.
Does making a payment restart the statute of limitations in Georgia?
Yes, if in writing. A new promise to pay restarts the period (or revives a barred debt) only if it is in writing, in the debtor's handwriting or signed by the debtor or someone authorized. A payment recorded on a written evidence of the debt, or any other written acknowledgment of the debt, counts as a new promise.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.