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Georgia Payday Lenders Are Illegal. How Do I Get My Money Back? – James

Written by Steve Rhode

“Dear Steve,

I have discovered the online payday lenders are not licensed to loan money to Georgia residents. Therefore, all online payday loans are considered illegal in Georgia. However some Georgia residents received loans because the companies stated they were sovereign entities. However the State attorney office of Georgia states it is still illegal. Some of these companies were instructed by the state of Georgia not to loan any Georgia residents anymore money, however some of these companies continued their illegal practice.

If I am a Georgia resident and have loans with these online payday lenders, do I have any recourse against these companies. Also, I would be willing to pay back the principle amount borrowed, and would be willing to consolidate all of the online loans I have. None of these companies are licensed in Georgia. What do you recommend in a situation like this?



Dear James,

You should do several things.

The first would be to follow the dispute and refund request process I outline in this article. sure you follow all the steps.

If the company fails to respond appropriately then I would go to and look for a consumer attorney in your state.

An illegal loan may be cancelled.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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