---
title: O.C.G.A. § 18-5-2. Debt adjusting permitted.
collection: code
id: 18-5-2
cite_as: O.C.G.A. § 18-5-2 (2025)
canonical_url: https://georgiacommons.org/code/18-5-2
md_url: https://georgiacommons.org/code/18-5-2.md
text_url: https://georgiacommons.org/code/18-5-2/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf?sfvrsn=b0848ebd_0#page=282
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.
up: https://georgiacommons.org/code/18-5.md
previous: https://georgiacommons.org/code/18-5-1.md
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index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: DEBTOR AND CREDITOR / DEBT ADJUSTMENT
---

# O.C.G.A. § 18-5-2. Debt adjusting permitted.

In the course of engaging in debt adjusting, it shall be unlawful for any person to accept from a debtor who resides in this state, either directly or indirectly, any charge, fee, contribution, or combination thereof in an amount in excess of 7.5 percent of the amount paid monthly by such debtor to such person for distribution to creditors of such debtor; provided, however, no provision of this chapter shall prohibit any person, in the course of engaging in debt adjusting, from imposing upon a debtor who resides in this state a reasonable and separate charge or fee for insufficient funds transactions.

## History

Ga. L. 1956, p. 797, § 2; Ga. L. 2003, p. 392, § 2; Ga. L. 2015, p. 1088, § 18/SB 148.