Legal Question in Credit and Debt Law in Georgia

You should proceed by retaining counsel.

Good luck.

You should proceed by hiring a lawyer. Even if you determine the correct statute of limitations, which may be 4 years, 6 years or 20 years depending on what you signed, improperly raising a defense waives it.

For most things its 4 or 6 years. If this is for a credit card debt its 6 years as per caselaw, see Hill v. American Express, 289 Ga. App. 576, 657 S.E.2d 547 (2008) (available at Google Scholar or through other sources like Westlaw and Lexis).

If the statute of limitations has realy and truly expired, then quit posting here and spend the money to hire a lawyer to draft a proper answer for you. If you do not raise the defense in an answer that is properly filed with the court, the statute of limitations defense is waived.

If after consulting a lawyer, the statute of limitations has not expired and you are interested in resolving the debt in a non-bankruptcy, non-litigation context, please contact me at [email protected].