Sued for Debt in Georgia? We Can Help
Our attorneys negotiate with debt collectors in Georgia to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 30 Days
You have 30 days from the date you are served to file your Answer with the Georgia court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Georgia
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 4 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 4 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Georgia
Wage garnishment is allowed — up to 25% of disposable earnings
Federal limits apply. 25% of disposable earnings or amount exceeding 30x minimum wage.
Court System in Georgia
Magistrate court handles cases up to $15,000. State court and superior court for larger amounts.
Filing fees: $45-$250
Georgia Consumer Protection Law
Georgia Fair Business Practices Act
In addition to the federal FDCPA, Georgia has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Georgia Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Georgia clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 30 days to respond to the lawsuit in Georgia. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Georgia
How long do I have to respond in Georgia?
30 days from service to file your Answer.
What is the statute of limitations in Georgia?
6 years for written contracts. 4 years for oral contracts and open accounts.
Can wages be garnished in Georgia?
Yes. Federal garnishment limits apply — up to 25% of disposable earnings.
What is the most common court for debt cases in Georgia?
Magistrate court handles cases up to $15,000. Many debt collection lawsuits are filed in state court.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Georgia Debt
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