---
title: O.C.G.A. § 44-14-184. Defense against foreclosure; verification.
collection: code
id: 44-14-184
cite_as: O.C.G.A. § 44-14-184 (2025)
canonical_url: https://georgiacommons.org/code/44-14-184
md_url: https://georgiacommons.org/code/44-14-184.md
text_url: https://georgiacommons.org/code/44-14-184/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t44-ch8-15-(v32)-2022-pdf.pdf?sfvrsn=9e9e06de_0#page=612
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/44-14.md
previous: https://georgiacommons.org/code/44-14-183.md
next: https://georgiacommons.org/code/44-14-185.md
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: PROPERTY / MORTGAGES, CONVEYANCES TO SECURE DEBT, AND LIENS / FORECLOSURE / FORECLOSURE ON MORTGAGES
---

# O.C.G.A. § 44-14-184. Defense against foreclosure; verification.

When a rule nisi to foreclose a mortgage on real estate has been granted and published or served as required in Code Section 44-14-180, the mortgagor or his special agent or attorney may appear at the time at which the money is directed to be paid and file his objections to the foreclosure of the mortgage and may set up and avail himself of any defense which he might lawfully set up in an ordinary action instituted on the debt or demand secured by the mortgage and which defense shows that the applicant is not entitled to the foreclosure sought or that the amount claimed is not due; provided, however, that the facts of the defense shall be verified by the affidavit of the mortgagor or his special agent or attorney at the time of the filing of the affidavit.

## History

Laws 1799, Cobb’s 1851 Digest, p. 510; Laws 1839, Cobb’s 1851 Digest, p. 572; Code 1863, § 3868; Code 1868, § 3888; Code 1873, § 3964; Code 1882, § 3964; Civil Code 1895, § 2746; Civil Code 1910, § 3279; Code 1933, § 67-301.

## Law Reviews

For annual survey of real property law, see 57 Mercer L. Rev. 331 (2005).