ga-consumer-debt v0.1.0A

Immutable. This exact content never changes and is served at /api/v1/blob/0d440a3d99bb9575.

---
name: ga-consumer-debt
description: >
  Subject-matter bundle for Georgia consumer-debt defense: FDCPA, Regulation F, the Georgia consumer-protection statute, the Georgia collection-agency regime (if any), chain of title, and synthetic example filings.
version: 0.1.0
---

# Georgia Consumer-Debt Defense

> **TODO**: Author substantive content. This is a scaffolded
> stub. Research the Georgia analog from authoritative sources
> before writing — do not search-and-replace from another
> state plugin.

> **NOT LEGAL ADVICE.** This subject-matter bundle describes
> a procedural and substantive framework for Georgia cases in
> this area, not legal advice and not strategic advice for
> any specific case. Outcomes are fact-specific; the choice
> of defenses, claims, motions, and discovery belongs to the
> litigant (and any counsel the litigant retains). Verify
> every rule, deadline, and citation against current law
> before filing.

## State context

- **State**: Georgia
- **Format rule**: O.C.G.A. § 9-11-10 + Uniform Superior Court Rules
- **Civil rules**: Georgia Civil Practice Act (O.C.G.A. Title 9, Ch. 11)
- **Evidence rules**: Georgia Evidence Code (O.C.G.A. Title 24)
- **Style manual**: Georgia appellate citation (Bluebook-based)

## What to author

1. Description: replace the placeholder with realistic trigger
   phrases for how a Georgia pro se filer would ask about this
2. Body: substantive content matching the role
3. Composition notes: which other ga- skills this layers
   with
4. References: the supporting `references/*.md` files

## References to author

- Research the Georgia analog from authoritative sources
  before authoring; do NOT search-and-replace from another
  state plugin

## Cross-references

- `ga-statewide-format` for format baseline
- `ga-fulton` / `ga-cobb` / `ga-county-courts` for venue
- `ga-pro-se` for pro se conventions