How long can a debt collector pursue an old debt in Georgia?
Jackson Reed
Updated on February 03, 2026
6 years
In Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is 6 years. This means that if your account is inactive for six years, you have a winning defense to any credit card collection lawsuit.
How long before medical bills are written off?
seven years
It takes seven years for medical debt to disappear from your credit report. And even then, the debt never actually goes away. If you’ve had a recent hospital stay or an unpleasant visit to your doctor, worrying about the credit bureaus is likely the last thing you want to do.
How long does a creditor have to sue you in GA?
Most debts in Georgia have a statute of limitations of four years, like medical debt, credit card debt and auto loans….Understanding your state’s statute of limitations.
| Georgia Statute of Limitations on Debt | |
|---|---|
| Mortgage debt | 6 years |
| Credit card | 4 years |
| Auto loan debt | 4 years |
| State tax debt | 7 years |
What happens if you never pay hospital bill?
Your medical provider can sue you for an unpaid bill, in which case the court decides on the punishment. One of the most common measures is wage garnishment. This means that they will take a certain amount of money off your income regularly until the debt is settled.
What’s the Statute of limitations on medical debt in Georgia?
Most debts in Georgia have a statute of limitations of four years, like medical debt, credit card debt and auto loans. Mortgages have a slightly longer statute of limitations of six years, and any debt you may owe to your state for tax purposes has a statute of limitations of seven years.
What is the Statute of limitations on debt?
The statutes of limitations on debt are set by state law. Different states have different statutes of limitations for the same action. For example, a creditor may have four years to sue a debtor for a delinquent debt in one state, but only three years in another state.
How long is the Statute of limitation in Georgia?
Jordan, Jones & Goulding, Inc. case. You can read the details here, but in 2010 the Georgia Supreme Court held that that the statute of limitation on a sufficiently written contract is six years, “and this is true whether the promise sued on is expressed in the writing or implied and written into it by the law.”
What is the Statute of limitations on medical bills?
1 Alabama: 6 years 2 Alaska: 6 years 3 Arizona: 5 years 4 Arkansas: 6 years 5 California: 4 years 6 Colorado: 6 years 7 Connecticut: 6 years 8 Delaware: 3 years 9 Florida: 5 years 10 Georgia: 6 years
