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Official Code of Georgia Annotated

Title 7. BANKING AND FINANCE · Chapter 3. INSTALLMENT LOANS · Article 4. OBLIGATIONS OF LICENSEES

7-3-33. Unreasonable collection tactics.

Active

Current through: Including Acts of the 2025 Regular Session of the General Assembly.

  1. No licensee or employee or agent thereof shall willfully use any unreasonable collection tactics. Unreasonable collection tactics shall include, but not be limited to, any conduct by the licensee or any employee or agent thereof which:

  2. (1)

    Causes the borrower or any member of his or her family to suffer bodily injury or physical harm;#

  3. (2)

    Constitutes a willful or intentional trespass by force of the borrower’s home or personal property without process of law;#

  4. (3)

    Holds up the borrower to public ridicule or unreasonably degrades the borrower in the presence of neighbors or business associates;#

  5. (4)

    Involves use of printed material which simulates or resembles a summons, warrant, or other legal process; or#

  6. (5)

    Although otherwise lawful, occurs at an unreasonable hour of the night. Attempts to make collections by means of personal visits, telephone calls, and the like shall be deemed to occur at an unreasonable hour of the night if they occur between the hours of 10:00 P.M. and 5:00 A.M.#

The notes below are printed with the section but are not enacted law (O.C.G.A. § 1-1-1(c)). They are shown apart from the text.

History

Ga. L. 1964, p. 288, § 6; Code 1981, § 7-3-25; Ga. L. 1989, p. 14, § 7; Ga. L. 1997, p. 143, § 7; Code 1981, § 7-3-33, as redesignated by Ga. L. 2020, p. 156, § 2/SB 462.

Read the official page (the state's PDF, opened at the page this text was read from).

Current through: Including Acts of the 2025 Regular Session of the General Assembly.

Text read from t7-t8-(v5)-2024-pdf.pdf, Volume V5, 2024 edition, pages 680 to 681; merge action: carried; file SHA-256 5c69f28428d8.