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.Renumbered from § 7-3-25 and amended by 2020 Ga. Laws 409,§ 2, eff. 6/30/2020.
Georgia Legal Code