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Georgia Debt Collection Laws and Statutes

Below you will find important information on Georgia state debt recovery laws including: Georgia Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: GEORGIA

Interest Rate

  • Legal: 7%
  • Judgment: Prime + 3%
  • Commercial Accounts: 18%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 4
  • Written Contract: 6
  • Domestic Judgment: 7
  • Foreign Judgment: 5

BAD CHECK LAWS (CIVIL PENALTY)

After 10 day written demand double damages up to $500 and service charge of $25 or 5%, whichever is greater.

GENERAL GARNISHMENT EXEMPTIONS

See federal law. City, County & State employees may be garnished.

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DEBT COLLECTIONS

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