Legal Question in Credit and Debt Law in Georgia
2 simple questions:
1. Is it legal for a hospital, doctors office, lab fees, etc to turn a patient over to a collection agency if the person is making payments and the medical facility is accepting payments on balance due for services rendered?
2. What is the statue of limitation for credit card debt?
Thank you
2 Answers from Attorneys
1. Sure, if your balance is overdue.
2. It depends on the state listed in your credit card agreement (the insert no one reads). Depending on what state that says, it could range from 4 to 20 years. It will usually not be the state you live in.
1. Yes - hospitals are not lenders and they are not required to finance your debt on the easy payment plan. If you need to make payments, consider using a credit card or taking out a personal loan. Hospitals are turning over debts to collectors quicker and quicker these days.
2. The statute of limitations varies from state to state. Under the debt collection law, debt collection can be based on the statute where you live at the time suit is brought or the state where the credit card was opened. There are a few states, like Ohio, which have 20 year statutes. This is the exception. Most states range from 4 to 6 years (4 in Georgia and Pennsylvania; 3 in North Carolina for a credit card debt.
If you have a credit card debt and the statute has not expired and you want to resolve the debt, feel free to contact me for assistance.
Rachel Hunter
Attorney at Law
(678)-687-9693
Admitted in GA, PA & NC
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