Frederick J. Hanna & Associates, P.C. Frederick J. Hanna wanting me to pay a charged-off debt after 6 years Marietta Georgia

SOL in GA is 6 years for credit cards.  You can do a Google search for Hill vs. American Express, 289 Ga. App. 576; 657 S.E.2d 547; 2008, to confirm.

The Georgia Supreme Court says Hanna is a "law firm," so you have to submit a bar complaint vs. them (and not a consumer complaint with the state OCA or federal FCC -- but fine if you do that too anyway).  You may submit a bar complaint vs. Fred Hanna (the owner of the "firm") and any atty. that may have contacted you that also violated bar rules for atty.s:

(Call and ask for a bar complaint, and if they have them online):

State Bar of Georgia
www.gabar.org
104 Marietta St. NW, Suite 100
Atlanta, Georgia 30303
(404) 527-8700
(800) 334-6865
FAX: (404) 527-8717

See below for info. on where to look for sample do-not-call letters vs. Hanna, and how to fight Hanna lawsuits and WIN (feel free to post on here too for more info.):

Info. for fighting Hanna lawsuits:

http://www.beatdebtcollectors.com/

Hanna consumer complaints and blogs:

http://nextlevelunlimited.net/blog/fredrick-j-hanna-collection-debt-or-hanna-barbera-crook-or-cartoon/

http://www.ripoffreport.com/Search/Frederick-J_-Hanna.aspx

Submit a Georgia bar complaint vs. Fred Hanna and other Hanna attorneys:

http://gabar.org/contact_the_bar/

There are a handful of reputable attorneys out there who specialize in defending consumers but the problem is they charge between $200/$300 per hour. At the end of the day though, in my personal opinion, these attorneys have never been skilled enough to be like The Late Johnny Cochran.Therefore, they specialize in consumer defense because they would go broke if they actually tried to compete with the Johnny Cochran's of the world to make REAL money representing americans on PROFITABLE cases.

Most debtors have cashflow problems so it's a quagmire. Do you pays hundreds upon thousands to some consumer defense attorney when you have cashflow problems to begin with? If one could afford thousands for consumer defense, they'd likely be able to pay their bills to begin with generally speaking.

It doesn't surprise me to hear of an attorney on this post not knowledgeable in consumer law. As i said, consumer defense attorneys usually are forced to take that role not by choice, but again, because they aren't talented enough to compete for the services of americans who have PROFITABLE claims. Can't say I blame the attorney for not knowing consumer law. I'm sure this Georgia attorney has far bigger fish to fry than to defend consumers on creditor suits.

Although i personally educated myself as a pro se defendant in the past, if you want to throw money at a consumer defense attorney you can check out the NACA. I know there's a link to that site when you go on budhibbs.com .

It's not only making payment for x amount of dollars that renews the Statute of Limitations. In some jurisdictions, verbally acknowledging you owe the debt over the phone is enough to renew th SOL.

It's not only making payment for x amount of dollars that renews the Statute of Limitations. In some jurisdictions, verbally acknowledging you owe the debt over the phone is enough to renew th SOL.

It's not only making payment for x amount of dollars that renews the Statute of Limitations. In some jurisdictions, verbally acknowledging you owe the debt over the phone is enough to renew th SOL.

It's not only making payment for x amount of dollars that renews the Statute of Limitations. In some jurisdictions, verbally acknowledging you owe the debt over the phone is enough to renew th SOL.

I'm surprised the attorney did not inform you that the statute of limitations for "open accounts" (unsecured credit cards) in Georgia is FOUR YEARS-the debt should be beyond the SOL.

I'm also surprised that your attorney did not instruct you to send them a certified, return receipt requested letter that demands that they validate the debt and also demand that they explain why they might believe that the SOL for the debt is not expired.

You should visit the FTC website, www.ftc.gov and download the Fair debt collections practices act and the Fair credit reporting act. Read both of these federal statutes to learn your rights.