Debt Validation Letter in Georgia

Ask a debt collector to prove a debt. Under the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692g), if you dispute in writing within the validation period, the collector must stop collecting until it sends verification. Send it by certified mail and keep a copy.

What Georgia law says

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
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

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

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

Fill it in

Nothing you type leaves your browser. Replace anything still highlighted, and keep a signed copy.

[today's date]

To: [collection agency name], [collector address]

Re: Account number [account or reference number]

I am writing in response to your [letter or call] dated [date of contact]. I dispute this debt and request validation under 15 U.S.C. § 1692g.

Please send me the name of the original creditor, the amount you claim and how it was calculated, and documents showing that you own or are authorized to collect this debt.

Until you provide this verification, please stop collection activity on this account, and contact me only in writing at the address below.

[your name], [your mailing address]

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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.