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Questions Answered by James W. Hurt Jr.
1 Answer | Asked in Consumer Law for Georgia on
Q: My son received a phone call from a courier service to serve him papers to go to court concerning an old credit card

It was from 2015 and has a lot of added interest and fees and they are saying they are going to garnish his wages. He doesn’t remember ever having this credit card and I am wondering if this is even legal or possible

James W. Hurt Jr.
James W. Hurt Jr.
answered on Jul 14, 2022

If your son resides in Georgia, then the statute of limitations on a credit card debt is 6 years. This debt should be beyond the statute of limitations. His wages cannot be garnished unless and until the debt collector gets a judgment against your son. He would first have to be served with a... View More

1 Answer | Asked in Consumer Law and Collections for Georgia on
Q: In Georgia, does responding to a collection notice by denying the debt reset the SoL clock for the debt?

Charter has sold an account of someone with my name, but living in a different state, that I've never lived in to collections agencies. I've disputed it multiple times and with all three credit agencies, but several months after dealing with one collections agency, it come back from a... View More

James W. Hurt Jr.
James W. Hurt Jr.
answered on Apr 13, 2022

Disputing the debt will not reset the statute of limitations. You should send a letter disputing the validity of the debt and explain once again that it is not yours and you have never lived in the state where the debt allegedly was incurred.

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