Tools · Debt
Georgia Debt Statute of Limitations Calculator (2026)
Enter your last payment or activity date to see when the Georgia limitations period would run out for your debt type — credit-card debt runs 6 years, a written contract 6 years. Every result flags revival.
Georgia debt statute-of-limitations calculator
These are the Georgia figures applied to the date you entered — a plain summary of the period, not a determination that any debt is or is not time-barred.
A new promise to pay a barred debt must be in writing to revive it (O.C.G.A. §9-3-110/§9-3-112). A partial payment may act as revival under case law, but the safe rule is that only a signed written promise clearly restarts the clock.
The date above assumes no new activity. A statute of limitations does not erase the debt or remove it from your credit report — it is a defense you must raise if you are sued after the period runs. In many states a partial payment or a signed written acknowledgment can restart the clock entirely, so be careful before paying or signing anything on an old account. Revival rules are complex and this is informational only, not legal advice.
- Debt type
- Credit-card debt
- SOL period
- 6 years
- Last payment / activity
- Not entered
- Period runs out
- —
- Revival
- Only a signed writing revives it
Plain-language summary, not legal advice.
Informational only, not legal advice. The statute of limitations is complex, classification-dependent, and revival can reset it — this tool cannot decide your case. See the full breakdown and citations on the Georgia debt statute-of-limitations reference, cited to O.C.G.A. §9-3-24; §9-3-25; §§9-3-110/112.
How the Georgia debt clock works
Georgia surprises people by putting credit cards on the long 6-year written-contract clock, not the 4-year open-account one. The key case is Hill v. American Express (2008): even without a signature, a cardholder agreement is a written contract accepted by use, so it falls under §9-3-24 (6 years) rather than §9-3-25 (4 years). Plenty of consumer sites still quote 4 years for Georgia cards — that's the trap. To revive a barred Georgia debt, a creditor generally needs a new promise in writing.
This tool applies the Georgia periods to the date you enter and assumes no new activity. It is informational only and not legal advice — revival can reset the clock and classification can change the period. For the full four-type breakdown, revival rule, and citations, see the Georgia debt statute-of-limitations reference.
Debt statute-of-limitations tools for other states
Same tool, each with its own periods and revival rule.