How Can GA Debt Collection Laws Protect You

Stop Debt Collectors How Can GA Debt Collection Laws Protect You

All You Need To Know About Laws For Debt Collection In Georgia

If you have  past due debts in Georgia, you need to know about the state laws. Like FDCPA, Georgia state laws can act as your protective layer. These laws will save you from the unfair and illegal practices of the agencies. FDCPA says that the person who legally collects debt is known as a debt collector. He might be an attorney, an agency, or a person. If you're being harassed by a debt collection agency, you can sue them. But walking through this legal process isn't an easy feat. You need to have a good knowledge of the Georgia fair debt collection practices act. Also, you must know about the state laws too. Knowing things beforehand will help you in the long run. Looking for some easy alternative? DoNotPay can help. It is a platform where you can get help for your problems. We can help you to know the difference between right and wrong. Thus, helping you to achieve your goals at the end.

What Are The GA Debt Collection Laws?

Georgia has made certain rules to protect consumers from illegal debt collectors. The state government has passed Georgia fair debt collection practices act. Every debt collection agency has to work as per the rules and regulations of the act. If any of the agencies violate the rule, FDCPA can take action against it. Let's dig deeper into the things that debt collection agencies can't do.

  1. They can't contact consumers before 8.00 am or after 9.00 pm.
  2. Don't have the right to use illegal or violent practices.
  3. Profane language is prohibited.
  4. Continuous annoyment or harassment.
  5. Use of threatening means and harsh practices is prohibited.
  6. They can't collect more money than your debt.

Legally debt collectors in Georgia don't have the right to use the above tactics. If they do, the consumer can approach the court for legal action. The GA debt collection laws will protect the rights of consumers. Thus, helping them to get rid of illegal debt collectors.

How To Solve Debt Collection In Georgia On Your Own?

Getting calls from debt collectors in Georgia can be overwhelming. If you receive a call/text from them, don't panic. Instead, follow the right approach to be on the safe side. Let's have a look at how you can easily handle debt collection in Georgia.

  1. Never ignore debt collectors as they can damage your credit score. Respond to them politely & ask for the necessary details.
  2. Gather information regarding the debt you owe. For instance, ask about the debt validation letter. This is a way to know about the debt expiry & the original creditor.
  3. Avoid answering personal questions on phone calls. Ask them to contact you in person or demand in writing.
  4. Once you verify everything, start negotiating with them. Ask them to settle the debt on a positive note.

This will help you to clear the debt without any frustration.

What Are the Statute of Limitations for Debts in Georgia

It also helps to know the kind of debt you owe and when it expires. Georgia has its own state law that defines the statute of limitations.

For Written Contracts (O.C.G.A. §9-3-24)6 Years from date of last payment
For an Open Account, Implied Promise or Undertaking (O.C.G.A. §9-3-25)4 Years from date of default

How To Stop Debt Collectors Or Handle Debt Collection In Georgia Using DoNotPay?

GA debt collection laws are quite confusing and cumbersome. If you are unaware of the laws, you might be in great trouble. But when you use DoNotPay, you don't have to worry about anything. All you need to do is answer a few questions that we ask. And that's it! We will do the task & give you the desired results.

Here’s how it works:

  1. Search “debt collection” on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

     

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

What Are The Perks Of Choosing DoNotPay For Debt Collection In Georgia?

Debt collection agencies use hook and crook measures to collect the debt. If you're unaware of your rights, you might end up being stressed. This is where DoNotPay sounds like the most perfect solution. Here you will know about your rights & legal actions that you can take. What's more, we can help you to file a lawsuit against their unfair practices. Check out a few perks of using DoNotPay for debt collection in Georgia.

  • Knowing about the updated state laws needs in-depth research. DoNotPay can help you to save time by doing the task.
  • When it comes to filing a lawsuit or negotiating, the process isn't easy. There are a bunch of formalities that walk in. DoNotPay can help you to take the stress off your task.
  • Sometimes the debt expires according to the statute of limitations. According to this, debt collectors won't have the right to collect money. In such cases, DoNotPay can help you to know about your debt expiry date. Thus, helping you to save a bunch on your debt.

DoNotPay is, undoubtedly, a great way to alleviate stress and pressure. Feel free to get in touch & grab the exclusive perks that we offer.

What Else Can DoNotPay Do for You?

Like Georgia, DoNotPay can help with states too. If you owe a debt in any other state, feel free to contact us. We will help you to solve your problem with the best solution. Other services aside, have a look at a few services DoNotPay offers.

If you wish to use these services, create your account on DoNotPay. Sign up & make sure your every problem is resolved in minutes.

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