My question involves collection proceedings in the State of: Georgia
In November of 2008, I voluntarily returned a vehicle to the dealership that I knew I couldn't pay for (financed with GMAC). In December of 2008, I filed for Chapter 13 Bankruptcy. The Bankruptcy was dismissed in March of 2009. I now have a charge off account on my credit report for GMAC, but it still shows over 14,000 past due. I assume this is for the deficiency owed after the vehicle was owed. My question is: Is there a statute of limitations for collections on this deficiency? If so, how long do they have to collect? In a few months, this debt will be 7 years old since last payment.
Any help would be greatly appreciated.

