The statute of limitations on credit card debt is a little unclear in Georgia. Generally, the statute of limitations for credit card debts is four years. However, credit card debt can be categorized in two different ways: as a written contract or as an open ended account. In Georgia, the statute of limitations for a written contract is six years. In contrast, the statute of limitations is four years for open ended accounts. Credit cards are usually classified as open ended accounts because the balance of the card varies. Therefore, a shorter statute of limitations may apply.

In Georgia, you have 30 days to respond to the complaint. To answer the complaint, you will complete an Answer to the complaint. In the answer, you will have the opportunity to admit or deny the allegations included in the complaint. After you complete the answer, you will file the answer with the clerk at the court. If you are unsure where to file the answer, you can refer to the court listed on the complaint. Failure to file an answer within 30 days of receiving the complaint can result in a default judgment being entered against you in court. Therefore, if you have any questions regarding how to complete an answer, you should contact an attorney as soon as possible to protect your legal rights.