---
title: O.C.G.A. § 10-1-36. Disposition of motor vehicle repossessed after default; right to recover deficiency.
collection: code
id: 10-1-36
cite_as: O.C.G.A. § 10-1-36 (2025)
canonical_url: https://georgiacommons.org/code/10-1-36
md_url: https://georgiacommons.org/code/10-1-36.md
text_url: https://georgiacommons.org/code/10-1-36/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t10-(v8)-2024-pdf.pdf?sfvrsn=1992b47e_0#page=70
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCE AND TRADE / SELLING AND OTHER TRADE PRACTICES / MOTOR VEHICLE SALES FINANCING
---

# O.C.G.A. § 10-1-36. Disposition of motor vehicle repossessed after default; right to recover deficiency.

(a) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller’s or holder’s intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller’s or holder’s notice emanated within ten days after the posting of the original seller’s or holder’s notice.

(b) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer’s residence, at the seller’s election.

(c) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part.

## History

Ga. L. 1967, p. 674, § 7; Ga. L. 2000, p. 1589, § 3; Ga. L. 2002, p. 995, § 9.

## Law Reviews

For article, “Nonjudicial Foreclosures in Georgia Revisited,” see 24 Ga. St. B. J. 43 (1987).

For annual survey article on commercial law, see 50 Mercer L. Rev. 193 (1998).