---
title: O.C.G.A. § 7-4-11. Usury is personal defense; no collection from insolvent to prejudice of others.
collection: code
id: 7-4-11
cite_as: O.C.G.A. § 7-4-11 (2025)
canonical_url: https://georgiacommons.org/code/7-4-11
md_url: https://georgiacommons.org/code/7-4-11.md
text_url: https://georgiacommons.org/code/7-4-11/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=732
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/7-4.md
previous: https://georgiacommons.org/code/7-4-10.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 / INTEREST AND USURY / IN GENERAL
---

# O.C.G.A. § 7-4-11. Usury is personal defense; no collection from insolvent to prejudice of others.

Usury is a personal defense; provided, however, that a creditor may not collect usurious interest from an insolvent debtor to the prejudice of other creditors.

## History

Civil Code 1895, § 2878; Civil Code 1910, § 3428; Code 1933, § 57-103; Ga. L. 2024, p. 1052, § 1(a)(38)/SB 448, effective July 1, 2024.

## Law Reviews

For note discussing whether a holder in due course takes free of claims of violations of the usury laws, see 12 Ga. L. Rev. 814 (1978).

## Amendments

The 2024 amendment, effective July 1, 2024, part of an Act to revise, modernize, and correct the Code, substituted “provided, however, that” for “but” in this Code section.

## History of Code Section.

This Code section is derived from the decision in Burgwyn Bros., Tobacco Co. v. Bentley & Co., 90 Ga. 508, 16 S.E. 216 (1892).