Georgia Statute of Limitations for Debt Collection
In Georgia, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Ga. Code §§ 9-3-24, 9-3-25.
- Written debts: 6 years. Oral debts: 4 years.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debts: 6 years. Oral debts: 4 years.
General Georgia Rules
Georgia distinguishes between written contracts (6 years) and oral contracts (4 years). The state has a 5-year statute of repose for medical malpractice claims. Tolling applies for minors (until age 18) and legally incompetent persons.
Other Statutes of Limitations in Georgia
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Georgia?
The statute of limitations for debt collection in Georgia is 6 years. Citation: Ga. Code §§ 9-3-24, 9-3-25.
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When does the clock start for debt collection in Georgia?
Written debts: 6 years. Oral debts: 4 years.
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Can the statute of limitations for debt collection be extended in Georgia?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.