Top-Rated Debt Collection Agency in Georgia
Your trusted Debt Collection Agency in Georgia, enabling speedy claims and reliable recoveries, no upfront cost. Explore our guide for best-in-class local debt collection practices and strategies.
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How does debt collection work in Georgia?
Your claim in Georgia is handled by LECCIS (Credit Management Solutions LLC), Debitura's licensed local partner. LECCIS contacts the debtor directly under Georgian law: phone calls, written demand letters and direct negotiation come first, before any court step is considered. Court action and enforcement follow only if amicable contact fails to produce payment, and only with your approval at each stage. There is no upfront fee for this amicable phase.
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The four steps from unpaid invoice to recovered cash
- Amicable collection. Local calls, letters and negotiation with the debtor. Most claims that can be resolved without a court are settled at this stage.
- Enforceable title. If the debtor still does not pay, we help you obtain a judgment or other enforceable title through the Georgian courts, so the claim can be enforced.
- Enforcement. The National Bureau of Enforcement seizes assets, wages or bank accounts under the enforceable title to satisfy the debt.
- Insolvency. If the debtor is insolvent, your claim is registered in the rehabilitation or bankruptcy proceeding and paid out according to creditor priority.
The full guide below covers each step in detail, the courts and laws involved, and what it costs to collect a debt in Georgia.
Debt collection in Georgia - the complete 2026 guide
This guide explains how debt collection works in Georgia: the courts, the governing law, the four-step recovery process and what it costs. It is written for creditors, in-house counsel and finance teams deciding how to recover an unpaid debt in Georgia.
Why you can trust this guide
At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.
Questions or feedback? Email us at contact@debitura.com , we update this guide based on your input.
Debitura By the Numbers:
- 10+ years focused on international debt collection
- 100+ local attorneys in our partner network
- $100M+ recovered for clients in the last 18 months
- 4.9/5 average rating from 621 reviews
Expert-led, locally validated
Written by Lars Holdgaard, Founder of Debitura (+10 years in global B2B debt recovery). Every page is reviewed by top local attorneys to ensure legal accuracy and practical steps you can use.
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Debt collection in Georgia - quick answers
How long does debt collection take in Georgia?
Most undisputed claims settle within 90 days through amicable contact. A contested claim adds the time needed for a district court judgment, then enforcement through the National Bureau of Enforcement if the debtor still does not pay.
What does it cost to collect a debt in Georgia?
Debitura's amicable collection runs on No Cure No Pay, so there is no upfront cost (see the fees section below for our fee model). If a claim goes to court, the state duty (court filing fee) is 3% of the claim value, with a minimum of GEL 100 (Civil Procedure Code, Art. 39(1)(a)).
What is the limitation period for a debt claim in Georgia?
The general civil limitation period is 10 years (Civil Code, Art. 128(3)). Most contractual claims are time-barred after 3 years, or 6 years if the claim relates to immovable property (Art. 129(1)); claims from periodic-performance obligations are time-barred after 3 years (Art. 129(2)). The clock resets if the debtor acknowledges the debt or the creditor files an action or obtains a writ of execution (Arts. 137-138).
Which court hears a debt claim in Georgia?
District (city) courts hear civil claims at first instance (Civil Procedure Code, Art. 13). Lower-value claims can be assigned to a magistrate judge within the same court; the exact monetary threshold for that track is not stated consistently enough across the sources checked to repeat as a fixed figure here. Appeals go to the Court of Appeal (a single judge for disputes up to GEL 20,000, otherwise a three-judge panel), and cassation to the Supreme Court, which is final.
Who enforces a debt judgment in Georgia?
The National Bureau of Enforcement (NBE), a legal entity under public law operating within the Ministry of Justice, carries out compulsory enforcement of court judgments and other enforceable acts under the Law on Enforcement Proceedings.
| Item | Position |
|---|---|
| General limitation | 10 years (Civil Code, Art. 128(3)) |
| Contractual claims | 3 years; 6 years for immovable property (Art. 129(1)) |
| Periodic obligations | 3 years (Art. 129(2)) |
| Court filing fee | 3% of claim value, minimum GEL 100 (CPC Art. 39(1)(a)) |
What is the statutory interest rate on an overdue debt in Georgia?
The Civil Code provides for default interest on overdue monetary obligations, but a specific, currently applicable statutory percentage could not be confirmed from an official source in this research pass. Rather than state an unverified number, this guide flags the rate as unconfirmed: check the current Civil Code text or ask your legal adviser for the applicable figure at the time of your claim.
Who does what in Georgia debt collection?
Debt collection agency (LECCIS)
LECCIS (Credit Management Solutions LLC), Debitura's licensed partner, runs the amicable phase: tracing the debtor, sending demand letters, calling and negotiating a payment plan. LECCIS works on No Cure No Pay and does not need a court judgment to start contacting a debtor.
Courts
Georgia's district (city) courts hear civil claims at first instance, with appeal to the Court of Appeal and cassation to the Supreme Court. A court judgment is required before a creditor can ask the enforcement authority to seize assets.
National Bureau of Enforcement (NBE)
The NBE, a legal entity under public law within the Ministry of Justice, is the sole body that carries out compulsory enforcement of Georgian court judgments. It also authorizes insolvency practitioners under the Law on Rehabilitation and the Collective Satisfaction of Creditors' Claims.
National Bank of Georgia (NBG)
The NBG supervises banks and microfinance organisations generally, including responsible-lending and consumer-disclosure rules. It does not run a Georgia-wide statute dedicated to debt-collection conduct; a 2022 sector code of ethics for financial-institution debt collection has been reported but its primary text could not be located, so it is not cited here as a verified rule.
Debitura's advantage: one contract and one dashboard connect you to LECCIS for the amicable phase and, if needed, to litigation and enforcement counsel for the court and enforcement stages, without you having to manage separate local relationships.
Which laws and courts apply to debt collection in Georgia?
Civil court system
Civil claims start at a district (city) court (Civil Procedure Code, Art. 13). Georgia has a three-tier system: district/city courts at first instance, the Court of Appeal (a single judge for claims up to GEL 20,000, otherwise a three-judge Civil Cases Chamber, Art. 25), and the Supreme Court, which reviews cassation appeals in panels of three judges and is the final instance.
Key legislation
The Civil Code of Georgia (Samokalako Kodeksi), in force since 1997, sets out the substantive rules on obligations, contracts and limitation periods. The Civil Procedure Code of Georgia (Samoqalaqo Sakmeta Kodeksi) governs jurisdiction, court procedure and enforceable titles. Compulsory enforcement runs under the Law on Enforcement Proceedings (1999, amended through 2025), and insolvency runs under the Law on Rehabilitation and the Collective Satisfaction of Creditors' Claims.
Consumer and data protection
The National Bank of Georgia supervises banks and microfinance organisations, including responsible-lending checks and consumer-disclosure requirements, as part of its general financial-sector mandate. No dedicated, publicly verifiable Georgian statute regulating the conduct of third-party debt-collection agencies was found; where a specific rule could not be confirmed from an official source, this guide describes the general process instead of citing an unverified rule.
Step 1 - How does amicable (pre-legal) debt collection work in Georgia?
LECCIS traces the debtor, sends a written demand and opens direct negotiation, aiming for full payment or an instalment plan without going to court. Contact is made by phone, letter and, where appropriate, in-person negotiation.
| Day | Action |
|---|---|
| Day 0-7 | Case reviewed, debtor traced, first demand letter sent |
| Day 7-30 | Follow-up calls and negotiation; payment plan offered where appropriate |
| Day 30-90 | Further demands; if there is still no payment or agreement, escalation to court is discussed with you |
Escalation to court happens only with your approval. Under Georgian law, the debtor's part-payment, acknowledgment of the debt, or the creditor's filing of a claim each interrupt the limitation period and restart the clock (Civil Code, Arts. 137-138), which is one reason to formally record any partial payment or acknowledgment obtained during this phase.
Step 2 - How do you obtain an enforceable title in Georgia?
If amicable contact does not produce payment, the next step is a civil claim in the competent district (city) court (Civil Procedure Code, Art. 13). Lower-value disputes can be handled by a magistrate judge within the same court under a simplified track; the sources checked for this guide gave inconsistent figures for the exact monetary threshold, so no specific number is stated here, only that a lower-value track exists.
Filing a claim requires paying the state duty (court fee): 3% of the claim value, with a minimum of GEL 100 (Civil Procedure Code, Art. 39(1)(a)). A judgment in the creditor's favor is an enforceable title once it becomes final, meaning the standard appeal period has passed or been waived.
Appeal and cassation
An unsuccessful defendant can appeal to the Court of Appeal: a single judge decides disputes up to GEL 20,000, and a three-judge Civil Cases Chamber decides higher-value disputes (Art. 25). Cassation review by the Supreme Court is available on questions of law and is final; there is no further appeal.
More on court proceedings in Georgia
Enforceable titles beyond a judgment
This guide covers the standard route to an enforceable title: a district court judgment that becomes final. Whether other instruments (for example, notarized agreements) are directly enforceable in Georgia without a separate judgment could not be confirmed from an official source in this research pass, so it is not asserted here either way.
Step 3 - How does debt enforcement work in Georgia?
Once a judgment is final, the creditor applies to the National Bureau of Enforcement (NBE), a legal entity under public law within the Ministry of Justice, to enforce it. The NBE carries out compulsory enforcement under the Law on Enforcement Proceedings (1999, amended through 2025).
Enforcement methods
The NBE can seize and sell the debtor's movable and immovable assets, attach bank accounts, and garnish wages, applying the enforceable title issued by the court. Which method is used depends on what assets the debtor holds and how the creditor's application is framed.
The enforcement authority
The NBE is the sole enforcement body for common-court judgments, administrative-authority acts and arbitral awards in Georgia (Law on Enforcement Proceedings, Art. 1). It also authorizes and supervises insolvency practitioners under the separate insolvency statute.
Enforcement continues until the debt, interest and enforcement costs are satisfied or the debtor is confirmed to have no further recoverable assets.
Step 4 - How do insolvency procedures affect debt recovery in Georgia?
If the debtor cannot cover its matured liabilities, either party can open a case under the Law on Rehabilitation and the Collective Satisfaction of Creditors' Claims (Art. 7(1)). There is no minimum claim threshold to start a case; the test is the debtor's inability to meet its due obligations.
Two regimes
The law provides for rehabilitation, Art. 6(2)(a) (aimed at keeping the business running while it repays creditors under a plan), and bankruptcy or liquidation, Art. 6(2)(b) (winding up the debtor and distributing its assets). A case can convert from one regime to the other. Once proceedings open, a moratorium suspends individual enforcement actions against the debtor (Art. 55).
The creditor process
Creditors register their claim with the insolvency practitioner handling the case; insolvency practitioners are authorized by the National Bureau of Enforcement, the same body responsible for general enforcement. Distribution follows a priority order: secured creditors keep their rights over collateral, certain preferential claims (including limited unpaid wages) rank next, and unsecured creditors share the remainder on a pro-rata basis.
This guide does not state a specific claims-lodging deadline for Georgian insolvency proceedings, because a verified figure could not be confirmed from an official source in this research pass; creditors should confirm the applicable deadline with the appointed insolvency practitioner or the NBE once a case opens.
Fees, interest and who pays what in Georgia
Our fee: pre-legal collection in Georgia runs on No Cure, No Pay, a success fee deducted only from what is recovered. See our pricing page for current rates, or get an instant estimate when you upload a claim.
Court and enforcement fees
These apply only if the claim escalates to court: the state duty (filing fee) is 3% of the claim value, minimum GEL 100, rising to 4% on appeal and 5% on cassation (Civil Procedure Code, Art. 39(1)(a)). National Bureau of Enforcement fees apply once enforcement measures start.
Who pays what
Georgian law does not appear, from the sources checked, to guarantee automatic recovery of a creditor's attorney's fees as litigation costs; this guide does not assert a recoverable-costs rule that could not be verified. You keep what LECCIS recovers after the agreed success fee; any statutory court or enforcement costs are a separate item from Debitura's fee.
Cross-border debt collection in Georgia
Georgia is not an EU or EEA member state, so EU cross-border instruments such as the European Payment Order, the European Small Claims Procedure and the Brussels I Recast Regulation do not apply. A foreign creditor collecting a Georgian debt uses the same domestic route described above: amicable contact, then a Georgian court judgment if needed, then NBE enforcement.
Recognition and enforcement of a foreign judgment in Georgia instead runs through the Law on Private International Law (Arts. 68-73). Georgia recognises a foreign judgment if the Georgian courts did not have exclusive jurisdiction over the matter, the parties were properly notified, there is no conflicting Georgian judgment, recognition would not breach basic legal principles of Georgia, and the foreign country reciprocally recognises Georgian judgments.
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Tbilisi Law is a premier law firm in Tbilisi offering effective Debt Collection services in Georgia, positioning itself as the go-to partner for debt recovery with a foundation in 2021, membership in the Georgian Bar Association, and international service capabilities.
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Guram Chaduneli Law Office is a premier law firm in Tbilisi offering effective debt collection services in Georgia, positioning itself as the go-to partner for debt recovery with a strong reputation since 2019 and membership in the Georgian Bar Association.
Frequently Asked Questions
Explore our most common FAQs below, or reach out directly at contact@debitura.com if you need help with a specific case.
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