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Georgia Harassment Laws You Have To Know
In addition to the FDCPA, Georgia has passed laws of its own to protect its residents from harassment. One of these laws, the Georgia Industrial Loan Act, is aimed at payday lenders and only applies to cash loans of $3,000 or less.
This law prohibits a wide range of unfair and abusive collection activities, including:
- Trespassing by force on your home or property
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Tricking you into incurring expenses such as long-distance telephone charges by concealing that the purpose of the call is to collect a debt
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Sharing or publishing a "deadbeat list" of debtors
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Disclosing information about your debt to unrelated third-parties
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Lying about the amount of debt
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Falsely threatening to add additional charges or fees to your existing debt when they actually cannot be added
Avoid Harassment Through Georgia Bankruptcy Laws
As soon as you file the paperwork for Chapter 7 or Chapter 13 bankruptcy, the court will issue an automatic stay that forces your creditors to back off and stop their collection attempts. They won't be able to file lawsuits, make phone calls, or repossess your belongings.
Georgia bankruptcy laws allow you to wipe out your unsecured debts (e.g., credit cards or tax obligations) with Chapter 7. You can also choose to restructure your debts with Chapter 13 and set up a 3-to-5-year repayment plan to pay back what you owe over time.
An experienced lawyer can explain the differences between the chapters and which choice will help your financial situation the most. Call or text DebtStoppers today at 678-673-2142 to request a free debt analysis with one of our skilled Georgia attorneys. We know how to use the laws to make the harassment immediately stop.
Let us put Georgia bankruptcy laws to work for you! Call or text us today, and put an end to creditor harassment for good.
