Get Debt Relief

Credit Card Debt $

Debt Relief

Debt Relief Guide

View All

Debt Consolidation Advisors

You can search our directory or Debt Advisors.


or 

Georgia Debt Relief Laws

Victims of debt collector harassment in Georgia should follow the federal Fair Debt Collection Practices Act (FDCPA) since Georgia does not have a state fair debt law for consumers. Some guidelines from the FDCPA include:

  • Collectors cannot try to collect on an invalid debt
  • The collector cannot misrepresent documents by making correspondence appear to be legal documents when its not
  • Creditors can never threaten or misrepresent him or herself when contacting a debtor
  • Collectors may only contact debtors between 8am and 9pm unless you indicate otherwise
  • Collectors must send all correspondence in an unmarked envelope--no postcards or stamps outside the envelope indicating it is from a collections agency
  • If you are being represented by an attorney, the debt collector must communicate with you through your lawyer
  • You can dispute the debt in writing within 30 days of receiving the first notice--the collector cannot contact you again until your notification mails

If creditors violate Fair Debt Collections Practices Act rules, you can sue. A lawsuit in the debtor’s favor may result in the award of actual damages or $1,000 (whichever is higher), in addition to attorney fees.

Georgia Statue of Limitations (SOL)

Georgia has a four-year statue of limitation (SOL) on open accounts such as credit cards, which means you can only be contacted for up to four years regarding an outstanding credit card debt. For written contracts you have up to six years.

In terms of wage garnishment, federal law applies, however Georgia appears to protect fewer areas of incomes than other states. Social security is protected under Georgia law and these few areas are exempt:

  • Some pensions and retirement benefits--public or state workers are protected but pensions for municipal and private employees may not
  • Limited public benefits/assistance such aid to the blind and disabled
  • Some insurance and annuities up to $250 per month

Georgia Credit Card Debt Relief Act of 2010

The Credit Card Debt Relief Act of 2010 has streamlined the methods for repaying debt and regulated how collectors work with debtors. The Act has impacted debt relief collections several ways:

  • The number of fraudulent or weak performing credit card companies are gone
  • Reduces the chances of falling victim to fraudulent debt settlement companies due to new Federal Trade Commission (FTC) reforms
  • Increased, open communication from creditors--more information is provided to help you eliminate your loans
  • Debt settlement companies cannot request upfront fees from clients

More About Debt Relief

Georgia Debt Relief by County
Appling Debt Relief Dade Debt Relief Jefferson Debt Relief Richmond Debt Relief
Atkinson Debt Relief Dawson Debt Relief Jenkins Debt Relief Rockdale Debt Relief
Bacon Debt Relief Decatur Debt Relief Johnson Debt Relief Schley Debt Relief
Baker Debt Relief Dekalb Debt Relief Jones Debt Relief Screven Debt Relief
Baldwin Debt Relief Dodge Debt Relief Lamar Debt Relief Seminole Debt Relief
Banks Debt Relief Dooly Debt Relief Lanier Debt Relief Spalding Debt Relief
Barrow Debt Relief Dougherty Debt Relief Laurens Debt Relief Stephens Debt Relief
Bartow Debt Relief Douglas Debt Relief Lee Debt Relief Stewart Debt Relief
Ben Hill Debt Relief Early Debt Relief Liberty Debt Relief Sumter Debt Relief
Berrien Debt Relief Echols Debt Relief Lincoln Debt Relief Talbot Debt Relief
Bibb Debt Relief Effingham Debt Relief Long Debt Relief Taliaferro Debt Relief
Bleckley Debt Relief Elbert Debt Relief Lowndes Debt Relief Tattnall Debt Relief
Brantley Debt Relief Emanuel Debt Relief Lumpkin Debt Relief Taylor Debt Relief
Brooks Debt Relief Evans Debt Relief Macon Debt Relief Telfair Debt Relief
Bryan Debt Relief Fannin Debt Relief Madison Debt Relief Terrell Debt Relief
Bulloch Debt Relief Fayette Debt Relief Marion Debt Relief Thomas Debt Relief
Burke Debt Relief Floyd Debt Relief Mcduffie Debt Relief Tift Debt Relief
Butts Debt Relief Forsyth Debt Relief Mcintosh Debt Relief Toombs Debt Relief
Calhoun Debt Relief Franklin Debt Relief Meriwether Debt Relief Towns Debt Relief
Camden Debt Relief Fulton Debt Relief Miller Debt Relief Treutlen Debt Relief
Candler Debt Relief Gilmer Debt Relief Mitchell Debt Relief Troup Debt Relief
Carroll Debt Relief Glascock Debt Relief Monroe Debt Relief Turner Debt Relief
Catoosa Debt Relief Glynn Debt Relief Montgomery Debt Relief Twiggs Debt Relief
Charlton Debt Relief Gordon Debt Relief Morgan Debt Relief Union Debt Relief
Chatham Debt Relief Grady Debt Relief Murray Debt Relief Upson Debt Relief
Chattahoochee Debt Relief Greene Debt Relief Muscogee Debt Relief Walker Debt Relief
Chattooga Debt Relief Gwinnett Debt Relief Newton Debt Relief Walton Debt Relief
Cherokee Debt Relief Habersham Debt Relief Oconee Debt Relief Ware Debt Relief
Clarke Debt Relief Hall Debt Relief Oglethorpe Debt Relief Warren Debt Relief
Clay Debt Relief Hancock Debt Relief Paulding Debt Relief Washington Debt Relief
Clayton Debt Relief Haralson Debt Relief Peach Debt Relief Wayne Debt Relief
Clinch Debt Relief Harris Debt Relief Pickens Debt Relief Webster Debt Relief
Cobb Debt Relief Hart Debt Relief Pierce Debt Relief Wheeler Debt Relief
Coffee Debt Relief Heard Debt Relief Pike Debt Relief White Debt Relief
Colquitt Debt Relief Henry Debt Relief Polk Debt Relief Whitfield Debt Relief
Columbia Debt Relief Houston Debt Relief Pulaski Debt Relief Wilcox Debt Relief
Cook Debt Relief Irwin Debt Relief Putnam Debt Relief Wilkes Debt Relief
Coweta Debt Relief Jackson Debt Relief Quitman Debt Relief Wilkinson Debt Relief
Crawford Debt Relief Jasper Debt Relief Rabun Debt Relief Worth Debt Relief
Crisp Debt Relief Jeff Davis Debt Relief Randolph Debt Relief
About Us |Terms of Use | Privacy Policy | Contact Us
Debt Settlement | Debt Management
Copyright © 2024 GetDebtRelief.com™ is a subsidiary of SiteTools, Inc. - All Rights Reserved.
TRUSTe - Click to Verify Better Business Bureau - Click to Verify Verisign Secured - Click to Verify