Asked in Consumer Law for Georgia

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

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1 Lawyer Answer
James W. Hurt Jr.
James W. Hurt Jr.
  • Consumer Law Lawyer
  • Watkinsville, GA
  • Licensed in Georgia

A: 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 lawsuit and the case be heard by a judge.

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