---
title: O.C.G.A. § 7-3-33. Unreasonable collection tactics.
collection: code
id: 7-3-33
cite_as: O.C.G.A. § 7-3-33 (2025)
canonical_url: https://georgiacommons.org/code/7-3-33
md_url: https://georgiacommons.org/code/7-3-33.md
text_url: https://georgiacommons.org/code/7-3-33/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t7-t8-(v5)-2024-pdf.pdf?sfvrsn=6386add7_0#page=680
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/7-3.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: BANKING AND FINANCE / INSTALLMENT LOANS / OBLIGATIONS OF LICENSEES
---

# O.C.G.A. § 7-3-33. Unreasonable collection tactics.

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:

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

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

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

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

(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.

## 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.