Q: I co-signed with my son 26 years ago for a wireless phone service. His account is in collection. Am I still liable?
A: Generally, a co-signer is jointly and severally liable on an obligation. Therefore the creditor can pursue you, your son, or both of you for the debt. In this case, the statute of limitations is the timeframe in which the creditor would be able to bring an actual lawsuit against you and/or your son based on a failure to pay (breach of contract). In Georgia, breach of contract on a written contract is six years from the date of default. I suggest speaking with an attorney and providing them with a copy of the contract as well as details on the last payment made and payment due date.
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