Legal Question in Credit and Debt Law in Georgia

It sounds as though you are beyond the statute of limitations to report on your credit. The creditor suing you may also be time barred as Ga's SOL is six years. Even better, the repossession may fall under Georgia's UCC laws, which have a SOL of four years. Often times scavenger collection agencies will pick up these old debts and use very aggressive tactics in trying to recover them. You may consider hiring a Georgia attorney to write a cease and desist letter to the collection agency and the original lender -- let me know if you need assistance with that. If that doesn't work and the collection agency still takes you to court, you should hire a debtor's rights litigator immediately.

They cannot garnish your salary without first obtaining a judgment against you. Do not ignore court proceedings.

Best of luck. *******The above does not establish an attorney-client relationship and is for informational purposes only.

Phillip may have overlooked two things. If your contract was signed stating the laws of another state applied, or was under seal, the statute may not have expired. Otherwise I agree with his answer.

Step one for you is to see a lawyer (we handle these type matters) to write them.