{"meta":{"key":"s_ga--pass-02","task":"S_GA","title":"Current Chapter 18-5 evidence and the monthly fee denominator","parent_title":"Georgia debt and debt relief law","edition":"pass-02","path":"/research/s_ga--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":18,"sources":17,"review_status":"revise","review_complete":true,"sha256":"43325b7c6b44a469d583bfe2b82b947da2d9270e46ed4a10b9f2e6f43a1c6b0b","headings":["Current Chapter 18-5 evidence and the monthly fee denominator","A. Substantive findings","1. Current Chapter 18-5: stronger enactment evidence, but authentication remains incomplete","2. Gross versus net: what is resolved by the actual passages","3. Footnote 2 and the settlement boundary","4. Later Pries disposition and Georgia appellate authority","5. The two $400 premises remain conditional","B. Actual source register — freshly read documents","C. PASS-02 claim table","D. Actual earlier-claim patch map","Dependency crosswalk — earlier evidence reused or left untouched","E. Failed routes and discovery leads — not substantive source authority","F. Component coverage and remaining-evidence table","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_GA/pass-02","facets":{"geography":["us","us-ga"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Resolve onlyauthenticatedcurrentChapter18-5 and gross/netmonthlybase conflict. Obtain currentofficialchapter or enactedamendmentchain; preserveAGHTML2006header. ReopenPriesDoc19pp4-7/n2; determine laterdisposition/controllingGeorgiaappellateinterpretation and comparecurrentAG2025ConsumerEdguidance. Explainwhich400total/400distributionexamplepremisesremainconditional. Do notchooseguidanceshorthand overcourt orlabeldistrictpleadingorder statewideprecedent. NofullGeorgiaoverview.","pending_corrections":0},"markdown":"# SettleADebt — S_GA PASS-02\n\n## Current Chapter 18-5 evidence and the monthly fee denominator\n\n**Result:** The fresh reading confirms the fee-excluding denominator adopted in *Pries*, and it warrants narrowing PASS-01’s characterization of the conflicting AG guidance. New official legislative materials strengthen the statutory history. **A readable authenticated current chapter, a controlling Georgia appellate resolution of the denominator, and *Pries*’s later disposition remain held.**\n\n**Baseline:** October 22, 2026, Pacific.\n**Actual research access:** October 22, 2026, PDT, corresponding to October 23, 2026, UTC. The final clock check was **2026-10-23 06:52:01 UTC / 2026-10-22 23:52:01 PDT**.\n\nThis is the requested narrow follow-up. It does not repeat the Georgia overview or reopen attorney-case status and the broader state categories. In the discussion, **Sxxx** and **Cxxx** mean **S_GA-P2-Sxxx** and **S_GA-P2-Cxxx**. PASS-01 identifiers retain their original prefix.\n\n## A. Substantive findings\n\n### 1. Current Chapter 18-5: stronger enactment evidence, but authentication remains incomplete\n\n#### The AG HTML’s historical header must remain attached to it\n\nThe AG’s “Debt Adjustment Act” HTML expressly identifies itself as **“Current through the 2006 Regular Session”** and labels the chapter **2006**. Its body nevertheless uses the Attorney General’s office as repository, while retaining older institutional terminology and stopping at §18-5-4. This mixed presentation does not establish a current consolidated chapter. The official domain does not erase the stated version limitation. **[C001; S001]** [consumer.georgia.gov](https://consumer.georgia.gov/consumer-services/debt-adjustment-act?utm_source=chatgpt.com)\n\n#### Fresh enactment readings establish these parts of the chain\n\n| Enactment | What the actual passage establishes | Status and limitation |\n| --- | --- | --- |\n| **2003 Act 103 / HB 385** | Sections 1–6 replace the definitions, fee provision, exclusions and enforcement provision, and add §§18-5-3.1 and 18-5-3.2. Section 2 contains the 7.5% monthly creditor-distribution language. | Approved May 30, 2003; §7 makes the Act effective **July 1, 2003**. Official session-law text was read through DLG’s extraction. **S002; C002, C009.** |\n| **2004 Act 564 / HB 1245** | Section 18(1) expands §18-5-4(d)’s FBPA cross-reference. | The relevant amendment became effective on approval, **May 13, 2004**; §55’s delayed exceptions concern other sections. **S003; C002.** |\n| **2015 HB 90 and SB 148** | HB 90 deletes the Office of Thrift Supervision reference. SB 148’s §18 reproduces the fee provision, changes the repository provisions to the AG, and includes §18-5-5 rulemaking authority. | The official legislative summary reports **March 13, 2015** for HB 90 and **July 1, 2015** for SB 148. The primary bill texts were read on a third-party host. Their codification issue is discussed below. **S004–S006; C003–C004.** |\n| **2020 Act 409 / SB 462** | Section 9(4) expressly includes §18-5-3 in the replacement of “Georgia Industrial Loan Act” with “Georgia Installment Loan Act.” | Approved and effective **June 30, 2020**, under §11; §10 separately addresses installment-loan agreements entered on or after July 1, 2020. **S007; C005.** |\n\nThe 2003 and 2004 operative passages and the 2020 amendment were freshly read in official session-law publications. The DLG pages warn that their machine-generated text may be uncorrected; this pass does not claim image-by-image authentication of those volumes. [Digital Library of Georgia+3](https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1?utm_source=chatgpt.com)\n\n#### A concrete same-year codification problem prevents a mechanical merge\n\nHB 90 §18(1) deletes the obsolete **Office of Thrift Supervision** reference from §18-5-3. However, the later SB 148 text reproduces that reference in its rendition of §18-5-3. HB 90 §54(e) expressly gives another 2015 Act priority to the extent of conflict.\n\nTherefore, “apply HB 90’s deletion, then paste SB 148, then apply the 2020 terminology change” is not an adequate authentication method. The resulting official codification—and, if necessary, the relevant Code Revision Commission treatment and subsequent reenactment—must be read. This is a reason to retain the chapter hold, not a finding that the obsolete agency currently supplies a viable exemption. **[C004, C018; S004–S005]** [legiscan.com+2](https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf?utm_source=chatgpt.com)\n\nA separate reconstruction point concerns §18-5-3.2: the 2003 Act actually enacted it. SB 148 does not reproduce that section, but its reproduced §18-5-4 continues to cross-reference it. Its omission from SB 148’s printed sequence should not, by itself, be represented as proof of repeal. **[C003; S002, S005]**\n\n#### Newly obtained official materials strengthen the later-currentness check\n\nThe legislature hosts the **official 2025 supplement to Volume 16, 2022 edition**. Its front matter identifies the Code Revision Commission, Office of Legislative Counsel and LexisNexis, and states statutory coverage through the 2025 regular session. I read the entire Title 18 supplement portion, printed pp.1–4: it contains Chapter 2 and Chapter 4 material and **no Chapter 5 entry**. It is a supplement to the main volume, not a replacement reproduction of Chapter 18-5. **[C006; S008]** [legis.ga.gov+1](https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-%28v16%29-pdf.pdf?utm_source=chatgpt.com)\n\nThe Governor-hosted **2026 HB 1268** is also significant:\n\n- **§55(a)** reenacts the official Code’s statutory text and arrangement, including the 2025 supplements and revised volumes.\n- **§55(b)** distinguishes the statutory enactment from annotations, research references, history lines and other nonstatutory material.\n- **§55(c)** preserves specified enactments omitted from the compilation, including certain later-effective provisions.\n- **§18 is reserved**; it supplies no specific Chapter 18-5 amendment.\n- The official 2026 legislative summary identifies it as **Act 723**, effective **July 1, 2026**.\n\nThe source literally uses **2025** in §55(d) and **2026** in §55(e); I have not silently corrected either. **[C007; S009–S010]** [gov.georgia.gov+1](https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download?utm_source=chatgpt.com)\n\nThe 2026 check also went beyond the regular-session summary. The official special-session House Journal reproduces the limited convening purposes, and the full Governor-hosted SB 3EX text concerns election legislation. Neither supplied a Chapter 18-5 amendment. This is bounded corroboration, not a certificate that every possible indirect or later enactment has been excluded. **[C008; S011–S012]** [legis.ga.gov+2](https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf?utm_source=chatgpt.com)\n\n**Remaining authentication gap:** The corresponding readable official **2022 main-volume Chapter 18-5** was not obtained. The official supplement and reenactment cannot substitute for reading the statutory text they supplement and reenact. Consequently, this pass supplies substantial pieces of an enacted amendment chain, **not a fully authenticated current consolidated chapter or a certified complete chain through the baseline**. **[C018]**\n\n### 2. Gross versus net: what is resolved by the actual passages\n\nThe freshly read 2003 and 2015 enactments agree on the 7.5% ceiling and the statutory base:\n\n“the amount paid monthly by such debtor to such person for distribution to creditors of such debtor”\n\nThey do not expressly use the accounting labels “gross” or “net.” **[C009; S002 §2; S005 §18/§18-5-2.]**\n\nIn ***Pries*, Doc.19**, pp.4–7, the court adopts the creditor-distribution denominator, excluding the provider’s own fee. Page 5 explains that a gross-payment interpretation would deprive the limiting creditor-distribution phrase of effect. Page 6 illustrates the distinction with a creditor payment plus a separately calculated fee. Page 7 finds the claims adequately pleaded; p.10 denies dismissal. This is an express legal interpretation in a federal pleading-stage order, not statewide appellate precedent or a final liability judgment. **[C010, C012; S013.]** [law.justia.com](https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5%3A2020cv00353/117400/19/?utm_source=chatgpt.com)\n\nThe **September 26, 2025 ConsumerEd article** uses “off the top,” but supplies no mathematical definition, worked denominator, citation to *Pries*, formal opinion number or adoption order. Consequently:\n\n- A gross-payment calculation is a **possible reading of the shorthand**.\n- The phrase could instead describe deducting an already correctly calculated fee before disbursement.\n- The article does **not establish that the AG formally rejected or superseded the judicial interpretation**.\n\nPASS-01 C016 should therefore describe an **apparent inconsistency or ambiguity**, rather than an established formal AG gross-base rule. **[C013; S014.]** [consumered.georgia.gov](https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt?utm_source=chatgpt.com)\n\nThe same shorthand appears in the **October 11, 2013** ConsumerEd article, whose next paragraph restates the statutory monthly creditor-distribution formulation. Its pre-*Pries* appearance further prevents treating the 2025 wording alone as evidence of a deliberate response to that decision. Actual editorial intent remains unknown. **[C014; S015.]** [consumered.georgia.gov](https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate?utm_source=chatgpt.com)\n\n**Reconciliation:** Preserve the statutory language and the court’s construction. Preserve the agency shorthand as contrary or ambiguous guidance. **Do not use that shorthand to clear a gross-payment fee calculation.** A controlling statewide reconciliation remains unverified.\n\n### 3. Footnote 2 and the settlement boundary\n\nPage 6 n.2 contemplates a debtor with resources funding a lump-sum settlement; it supports the denominator illustration. It does not establish general market permission for every settlement business model. **[C011; S013.]**\n\nThe 2025 AG article’s item 5 describes a different factual scenario: consumers stop paying creditors and instead pay the settlement company while a settlement is pursued. That factual distinction may help explain the different language. It does not establish that the agency and court have formally reconciled all settlement-model boundaries. **[C011, C013; S014 item 5.]**\n\nFor this pass, the footnote clears neither provider eligibility nor an accumulated-funds program, an advance fee, a savings fee, or a particular principal-reduction service.\n\n### 4. Later *Pries* disposition and Georgia appellate authority\n\n**Later disposition remains unresolved.** The readable Justia docket expressly says it was last retrieved on January 5, 2021 and displays an incomplete sequence. Fuller public docket routes failed. Search results exposed leads concerning an interlocutory-appeal request, a settlement notice and a proposed dismissal document; the underlying later filings and an entered disposition were not successfully read.\n\nAccordingly, this answer does **not** characterize the action as finally settled or dismissed, the order as vacated, an appeal as denied, or the interpretation as affirmed. **[C012; failed/discovery routes F4–F6.]**\n\nTwo actual Georgia appellate opinions were read for the denominator question:\n\n| Opinion | What it decides for this check |\n| --- | --- |\n| ***American Debt Foundation, Inc. v. Hodzic*** | Reverses class certification for failure to establish numerosity. Its quotation of §18-5-2 does not decide the competing gross/net constructions. **S016.** |\n| ***Moon v. CSA–Credit Solutions of America, Inc.*** | Addresses the forum-selection and choice-of-law provisions before it. Neither the majority nor the separately identified special concurrence supplies the sought gross/net holding. **S017.** |\n\nNeither closes the statewide-denominator question. The search result is **“no controlling Georgia appellate denominator decision identified in this pass,” not “none exists.”** **[C015.]** [law.justia.com+1](https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html?utm_source=chatgpt.com)\n\n### 5. The two $400 premises remain conditional\n\nThese examples isolate the disputed denominator. They do not approve an actual provider or transaction.\n\nFor all three, assume:\n\n- The transaction is covered and nonexempt.\n- **D** is the legally qualifying creditor-distribution amount for the relevant monthly measurement.\n- **F** includes all ordinary compensation chargeable against that ceiling.\n- The fee-excluding interpretation applies.\n- The relevant service, handling and fee-timing conditions have separately been satisfied.\n- There are no other components unless expressly stated.\n\n**Example 1 — $400 is the creditor-distribution base**\n\nPlain text\n```\nInput/base: D = $400.00 for the relevant month.\nOperator: 7.5% = 0.075.\nCalculation: F ceiling = 0.075 × $400.00 = $30.00.\nResult: $30.00 fee ceiling; $430.00 total if the fee is additional.\nRounding: None needed.\n```\n\nThe conditional premise is that **$400 means qualifying creditor distribution**, rather than the consumer’s entire payment.\n\n**Example 2 — $400 is the entire payment, consisting only of fee plus distribution**\n\nPlain text\n```\nInputs: T = $400.00; T = D + F.\nBase: D = $400.00 − F.\nConstraint: F ≤ 0.075 × ($400.00 − F).\nIntermediate: 1.075 × F ≤ $30.00.\nUnrounded boundary: F ≤ $27.906976744...\nConservative cent result: F = $27.90; D = $372.10.\nCheck: 0.075 × $372.10 = $27.9075.\n```\n\nNo statutory rounding convention was established. Rounding down is an illustrative conservative treatment, not a newly verified legal rounding rule.\n\n**Example 3 — testing a $30 deduction from a $400 total**\n\nPlain text\n```\nInputs: T = $400.00; fee actually deducted = $30.00.\nRemaining creditor amount: $400.00 − $30.00 = $370.00.\nFee-excluding ceiling: 0.075 × $370.00 = $27.75.\nDifference: $30.00 − $27.75 = $2.25 above that ceiling.\n```\n\nThe $2.25 comparison uses the **actual $370 allocation**. It is not a comparison against Example 2’s different allocation.\n\n**What remains legally conditional:** the applicable current text; authoritative denominator treatment; the relevant monthly accounting period; treatment of funds received and distributed in different months; and whether the payment actually has only the two assumed components. Reserves, returns, other charges, carried balances or undistributed amounts can invalidate **D = T − F**. An unexplained “$400 payment” is therefore insufficient input for a cleared fee result. **[C016–C018.]**\n\n## B. Actual source register — freshly read documents\n\n**Access code A1:** October 22, 2026 PDT / October 23, 2026 UTC. Every row below was freshly read in PASS-02 at the stated passages. “Read” means the text returned by the ordinary public web tool; it does not imply inspection of every original page image.\n\nIndexes, unavailable documents, snippets and docket leads are deliberately separated in Section E.\n\n| Source ID | Document / issuer | Direct literal URL | Exact passage, version and effective status | Access / jurisdiction / limitation |\n| --- | --- | --- | --- | --- |\n| **S_GA-P2-S001** | **Debt Adjustment Act** — Georgia AG Consumer Protection Division | [https://consumer.georgia.gov/consumer-services/debt-adjustment-act](https://consumer.georgia.gov/consumer-services/debt-adjustment-act?utm_source=chatgpt.com) | Header: copyright 2006, current through 2006 regular session; displayed §§18-5-1 through -4, including -3.1 and -3.2. | **A1; Georgia.** Historical-header HTML with mixed terminology; not authenticated current consolidation. |\n| **S_GA-P2-S002** | **Georgia Laws 2003, vol.I, Act103/HB385** — Georgia General Assembly; DLG/UGA host | [https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1](https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1?utm_source=chatgpt.com) | Printed **pp.392–395, §§1–8**; fee §2/p.393; §3.2 enacted by §5/p.394; effective §7/p.395. Approved May30; effective **July1,2003**. | **A1; Georgia.** Official historical session-law publication; extracted-text/OCR caveat. |\n| **S_GA-P2-S003** | **Georgia Laws 2004, vol.I, Act564/HB1245** — Georgia General Assembly; DLG/UGA | [https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1](https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1?utm_source=chatgpt.com) | Act header p.631; **§18(1)/p.637**; **§§54–56/pp.644–645** and approval. Relevant provision effective **May13,2004**. | **A1; Georgia.** Official historical enactment; OCR caveat. |\n| **S_GA-P2-S004** | **2015 HB90, enrolled/as passed, LC33 5888S/AP** — Georgia General Assembly; LegiScan mirror | [https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf](https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf?utm_source=chatgpt.com) | **§18(1), p.7, bill lines198–202**; **§54(e), p.16, lines519–522**; **§55, p.17**. Approval-based effectiveness; S006 reports March13,2015. | **A1; Georgia.** Primary legislative document on third-party host; current codification not established by this document alone. |\n| **S_GA-P2-S005** | **2015 SB148, enrolled** — Georgia General Assembly; LegiScan mirror | [https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf](https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf?utm_source=chatgpt.com) | **§18, pp.92–94**, including §§18-5-1, -2, -3, -3.1, -4 and -5; §47/p.134 repealer. S006 reports **July1,2015** effectiveness. | **A1; Georgia.** Primary bill text, freshly reopened; OTS reproduction and omission of printed §3.2 require careful codification treatment. |\n| **S_GA-P2-S006** | **2015 Summary of General Statutes** — Georgia legislative services/Office of Legislative Counsel; DLG | [https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext](https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext?utm_source=chatgpt.com) | Printed **p.1, Act9/HB90**; **p.5, Act187/SB148**. Reports effective dates March13 and July1,2015. | **A1; Georgia.** Official enactment-status summary; not a substitute for operative statutory language. |\n| **S_GA-P2-S007** | **Georgia Laws 2020, vol.I, Act409/SB462** — Georgia General Assembly; DLG | [https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext](https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext?utm_source=chatgpt.com) | Header p.156; **§9(4), p.180**; **§10, p.180**; **§§11–12 and approval, p.181**. Effective approval June30,2020; agreement applicability July1 onward. | **A1; Georgia.** The catalog mentions the extraordinary session, but the volume also contains the regular-session Act read here. OCR caveat. |\n| **S_GA-P2-S008** | **Official Code of Georgia Annotated, 2025 Supplement, vol.16, 2022 edition** — Code Revision Commission/Legislative Counsel/LexisNexis; legislature host | [https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf](https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf?utm_source=chatgpt.com) | Title/front matter, printed **iii**; entire Title18 portion, printed **pp.1–4 / PDF pp.5–8**. Statutory coverage through 2025 regular session; annotations through May12,2025. | **A1; Georgia.** Official supplement, not the main chapter text; no Chapter5 entry observed. |\n| **S_GA-P2-S009** | **2026 HB1268, Act723, LC39 4848/AP** — Georgia General Assembly; Governor signed-legislation host | [https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download](https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download?utm_source=chatgpt.com) | **§18/p.6 reserved; §55(a)–(e), pp.55–57, lines1349–1412; §56/p.57**. Enacted; S010 reports effective July1,2026. | **A1; Georgia.** Reenactment text read; does not itself reproduce Chapter18-5. |\n| **S_GA-P2-S010** | **2026 Summary of General Statutes** — legislative services/Office of Legislative Counsel | [https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf](https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf?utm_source=chatgpt.com) | Foreword; Title18 listing; printed **p.21/PDF p.31, Act723/HB1268**; Code-section index around printed pp.54–55. | **A1; Georgia.** Regular-session summary with stated exclusions; status and discovery support only. |\n| **S_GA-P2-S011** | **2026 Special Session House Journal** — Georgia House of Representatives | [https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf](https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf?utm_source=chatgpt.com) | Title page: June17–23,2026 session; **printed pp.33–35/PDF pp.37–39**, amended June3 proclamation and five purposes. | **A1; Georgia.** Actual proclamation text read in official journal; not every journal page read. |\n| **S_GA-P2-S012** | **2026 SB3EX, as passed** — Georgia General Assembly; Governor signed-legislation host | [https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download](https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download?utm_source=chatgpt.com) | **All five pages, §§1–6**. Election amendments; §5 approval-based effectiveness. | **A1; Georgia.** Listed as signed; exact signing date not established here. Used to check for a Chapter18-5 amendment, not as fee authority. |\n| **S_GA-P2-S013** | ***Pries v. GreenPath, Inc.*, No.5:20-cv-00353-MTT, Doc19** — U.S. District Court, M.D.Ga. | [https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699](https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699) ; [https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/](https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/) | **Filed January5,2021; pp.4–7, p.6 n.2, p.10.** | **A1; federal court applying Georgia law.** Same judicial document, two renditions; subsequent status held. |\n| **S_GA-P2-S014** | **Finding a reputable lender to consolidate credit card debt** — Georgia AG ConsumerEd | [https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt](https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt?utm_source=chatgpt.com) | **September26,2025; item5 and final substantive paragraph.** | **A1; Georgia.** Informal consumer guidance; publication date is not a statutory effective date. |\n| **S_GA-P2-S015** | **Is debt settlement legitimate?** — Georgia ConsumerEd | [https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate](https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate?utm_source=chatgpt.com) | **October11,2013; paragraphs beginning “If a debt adjuster…” and “While up-front fees…”** | **A1; Georgia.** Historical guidance, used for wording history; no independent fee-timing authorization inferred. |\n| **S_GA-P2-S016** | ***American Debt Foundation, Inc. v. Hodzic*, 312 Ga.App.806, 720 S.E.2d283** — Georgia Court of Appeals | [https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html](https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html?utm_source=chatgpt.com) | **November22,2011; Divisions1–2; nn.2–4,27.** | **A1; Georgia appellate.** Actual opinion on third-party host; denominator issue not decided. |\n| **S_GA-P2-S017** | ***Moon v. CSA–Credit Solutions of America, Inc.*, 696 S.E.2d486** — Georgia Court of Appeals | [https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html](https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html?utm_source=chatgpt.com) | **June22,2010; majority opinion and separately labeled Ellington special concurrence, including nn.1–3.** | **A1; Georgia appellate.** Actual opinion read; no gross/net holding inferred from either opinion. |\n\n## C. PASS-02 claim table\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness and confidence limits |\n| --- | --- | --- | --- |\n| **S_GA-P2-C001** | The AG HTML retains an express 2006-currentness header and does not authenticate the complete current chapter. | S001 header; displayed sections | **High** on observed version limitations. |\n| **S_GA-P2-C002** | The 2003 Act supplies an enacted chapter base effective July1,2003; the identified 2004 amendment corrects §18-5-4(d)’s FBPA citation. | S002 §§1–8, pp.392–395; S003 §18(1), §§54–56 | **High** on extracted enactment text; historical sources with OCR limitations. |\n| **S_GA-P2-C003** | SB148 reproduces the fee language, changes repository provisions to the AG and includes §18-5-5; its omission of printed §3.2 does not alone prove repeal. | S005 §18, pp.92–94; S002 §5 | **High** on contents; current consolidation still held. |\n| **S_GA-P2-C004** | HB90’s OTS deletion, SB148’s reproduction and HB90’s same-session conflict clause require codification reconciliation. | S004 §18(1), §54(e); S005 §18/§18-5-3 | **High** on discrepancy; resulting authenticated current wording unresolved. |\n| **S_GA-P2-C005** | SB462 expressly changes §18-5-3’s Industrial Loan Act reference to Installment Loan Act. | S007 §9(4)/p.180; §§10–11/pp.180–181 | **High** on amendment; effective June30,2020, with separate agreement-applicability clause. |\n| **S_GA-P2-C006** | The official 2025 supplement has no Chapter18-5 entry and requires the 2022 main volume for the underlying text. | S008 front matter; printed pp.1–4 | **High** on document contents; does not establish unread main-volume wording. |\n| **S_GA-P2-C007** | HB1268 reenacts the specified official statutory material and distinguishes it from nonstatutory annotations; §18 is reserved. | S009 §18; §55(a)–(e); S010 p.21 | **High** on text; July1,2026 effectiveness reported by official summary. |\n| **S_GA-P2-C008** | The regular- and special-session materials checked supplied no identified new Chapter18-5 amendment. | S009–S012, specified passages/index checks | **Bounded negative.** Not exhaustive certification of every enactment or indirect effect. |\n| **S_GA-P2-C009** | The freshly read enactments limit combined ordinary consideration to 7.5% of the statutory monthly creditor-distribution amount for a Georgia-resident debtor, with a separate reasonable NSF-charge proviso. | S002 §2/p.393; S005 §18/§18-5-2/p.93 | **High** on enacted text; exact 2026 consolidated authentication remains qualified. |\n| **S_GA-P2-C010** | Doc19 adopts a creditor-distribution base excluding provider compensation. | S013 pp.4–7 | **High** on the ruling read; C012 limits its use. |\n| **S_GA-P2-C011** | Footnote2’s resource-funded lump-sum illustration does not establish general settlement-provider permission. | S013 p.6 n.2; comparison S014 item5 | **High** on passage; model-wide legal reconciliation held. |\n| **S_GA-P2-C012** | Doc19 denies dismissal; final disposition, modification/vacatur and appeal history remain unverified. | S013 p.10; F4–F6 | **High** on procedural order; **unresolved** later status. |\n| **S_GA-P2-C013** | The 2025 “off the top” language is ambiguous about the denominator and does not establish a formal AG gross-base rule or rejection of the judicial construction. | S014 final substantive paragraph; F7 | **High** on wording; characterization is a reasoned inference, not an identified AG explanation. |\n| **S_GA-P2-C014** | Comparable shorthand existed in 2013, before the judicial order; publication in 2025 alone does not prove a response to it. | S015 specified paragraphs | **High** on chronology; editorial intent unknown. |\n| **S_GA-P2-C015** | No controlling Georgia appellate gross/net ruling was identified; Hodzic and Moon do not resolve it. | S016 Divs.1–2; S017 majority/concurrence; targeted searches | **High** on those opinions’ limits; search completeness qualified. |\n| **S_GA-P2-C016** | The two $400 calculations depend on whether $400 denotes D or T, and on the assumption T=D+F. | C009–C010; explicit example inputs and algebra | **High arithmetic confidence; conditional legal premises.** No rounding rule established. |\n| **S_GA-P2-C017** | No example clears actual provider eligibility, exemption, handling compliance or fee timing. | Explicit assumptions; PASS-01 dependencies below | **Scope limitation**, not a fresh determination of all underlying requirements. |\n| **S_GA-P2-C018** | Current-chapter authentication remains held despite stronger enactment and later-currentness evidence. | S001–S012; F1–F3 | **High** on research limitation; readable official chapter/codification remains missing. |\n\n## D. Actual earlier-claim patch map\n\n**This is a proposed evidentiary patch to the supplied records, retaining their IDs. The raw original is not edited.**\n\n| Earlier claim ID | Patch disposition | Precise updated record / retained limitation | PASS-02 support |\n| --- | --- | --- | --- |\n| **S_GA-P1-C014** | **Retain rate; qualify currentness and base.** | Retain the 7.5% statutory monthly creditor-distribution formulation. Distinguish the statute’s wording from the judicial denominator construction. Do not treat “amount paid to provider” alone as a verified gross base. | C009–C010, C018; S002 §2; S005 §18; S013 pp.4–7. |\n| **S_GA-P1-C016** | **Refine the characterization of contrary guidance.** | Preserve the verified judicial construction. Replace “guidance suggests a conflicting gross-payment treatment” with **“informal guidance uses potentially conflicting but undefined ‘off the top’ shorthand.”** No formal supersession established; statewide resolution and later history remain held. | C010–C015; S013–S017. |\n| **S_GA-P1-C025** | **Retain discrepancy hold; add specific amendment evidence.** | The earlier form observations remain attributed to PASS-01. Fresh SB462 evidence confirms the terminology amendment. HB90/SB148’s same-year OTS issue requires reconciliation with authenticated codification. No current form contents were freshly reverified here. | C004–C005, C018; S004–S007; prior S_GA-P1-S010–S011 remain dependencies. |\n| **S_GA-P1-C027** | **Strengthen support without closing authentication.** | Add official 2003/2004/2020 enactments, the official 2025 supplement, 2026 reenactment, and special-session checks. Retain the explicit absence of a readable authenticated current consolidated chapter and complete certified chain. | C001–C008, C018; S001–S012. |\n| **S_GA-P1-C036** | **Narrow update only.** | The Pries reading is refreshed; later history remains held. **Mai and Bush retain their prior authority/procedural qualifications and unverified subsequent-history status.** No fresh attorney-case conclusion is supplied. | C012, C015; S013, S016–S017; prior S_GA-P1-S018–S019 unchanged. |\n\n### Dependency crosswalk — earlier evidence reused or left untouched\n\nThis table is **not** an additional fresh-source register.\n\n| PASS-01 evidence / claim | Treatment in PASS-02 |\n| --- | --- |\n| **S_GA-P1-S001 — SB148** | Same primary bill freshly reopened as **S_GA-P2-S005**. |\n| **S_GA-P1-S026 — HB90** | Same primary bill freshly reopened as **S_GA-P2-S004**. |\n| **S_GA-P1-S004 — 2020 SB462 mirror** | Relevant amendment newly supported by official session-law publication **S_GA-P2-S007**. |\n| **S_GA-P1-S013 — Pries Doc19** | Freshly reopened as **S_GA-P2-S013**; no new final-disposition evidence obtained. |\n| **S_GA-P1-S015 — 2025 ConsumerEd** | Freshly reopened as **S_GA-P2-S014**. |\n| **S_GA-P1-S002 — 2025 statutory mirror** | Prior corroboration only. It is not promoted to authenticated current official text. |\n| **S_GA-P1-S010–S011 — forms** | Prior observations reused with attribution; not freshly reread. |\n| **S_GA-P1-S018–S019 — Mai/Bush** | Untouched; attorney-case status remains held. |\n| **PASS-01 provider conditions, handling/timing and federal-context findings** | Background dependencies only. This pass does not refresh them or use the fee calculations as permission to request or receive a fee. |\n\n## E. Failed routes and discovery leads — not substantive source authority\n\nAll observations below are PASS-02 observations unless expressly identified as an earlier branch result. No login, purchase, contact or expanded browser permission was used.\n\n| Route ID | Direct literal route | Actual result and evidentiary consequence | Exact next evidence needed |\n| --- | --- | --- | --- |\n| **F1** | [https://www.legis.ga.gov/legislation/georgia-code](https://www.legis.ga.gov/legislation/georgia-code?utm_source=chatgpt.com) ; [https://w3.lexis-nexis.com/hottopics/gacode/default.asp](https://w3.lexis-nexis.com/hottopics/gacode/default.asp?utm_source=chatgpt.com) ; [https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf](https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf) | Code landing page returned a loading shell; Lexis route was inaccessible; main-volume PDF failed parsing. Failure is not proof the document does not exist. | Read official main-volume §§18-5-1 through -5, including -3.1/-3.2, and reconcile with S008–S010. |\n| **F2** | [https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download](https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download?utm_source=chatgpt.com) | Eight-page PDF returned no extracted text; the attempted screenshot route did not supply a usable image for reading. **Contents not authenticated or relied upon.** | Obtain a readable ordinary-public rendition of the actual official document, including its version statement. |\n| **F3** | [https://archive.org/details/gov.ga.ocga.2024](https://archive.org/details/gov.ga.ocga.2024?utm_source=chatgpt.com) ; [https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf](https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf) ; [https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt](https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt) | Catalog/provenance description was readable; PDF was inaccessible; the research branch’s OCR route exceeded the tool’s content limit. Catalog metadata is not chapter text. | Read the actual published volume and verify its title/version and Chapter18-5 pages. |\n| **F4** | [https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/](https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/?utm_source=chatgpt.com) ; [https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC](https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC?utm_source=chatgpt.com) | Root reopenings returned **403**; an earlier branch also encountered **429** on PACERMonitor. Search snippets exposed possible post-Doc19 filings, not readable entered orders. | Complete post-Doc19 docket and actual later filings, including the interlocutory request/outcome, settlement notice, dismissal instrument and any appeal. |\n| **F5** | [https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf](https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf) ; [https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf](https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf) | Candidate static document paths were inaccessible. A guessed path does not establish document identity, entry, contents or legal effect. | Verified docket-to-document links and actual entered documents. |\n| **F6** | [https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400](https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400) ; [https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353](https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353?utm_source=chatgpt.com) | Justia’s readable docket is expressly stale and incomplete. GovInfo supplied metadata for the January2021 opinion, not complete later history. | Current complete docket, final disposition, any vacatur/modification and appellate docket/outcome. |\n| **F7** | [https://law.georgia.gov/opinions/official](https://law.georgia.gov/opinions/official?utm_source=chatgpt.com) ; [https://law.georgia.gov/opinions/unofficial](https://law.georgia.gov/opinions/unofficial?utm_source=chatgpt.com) | Index pages and targeted searches did not identify a formal gross/net reconciliation. Searches also targeted the official rules domain and the parties/statutory section. **Index/search absence is not proof of nonexistence.** | Any actual numbered AG opinion, adopted rule/order or appellate decision resolving the denominator, read with its current status. |\n| **F8** | [https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session](https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session?utm_source=chatgpt.com) | The substantive listing identified SB3EX. The listing was used for discovery; its linked full text was separately read as S012. | Any subsequently identified relevant Act must be read directly; the listing itself does not establish debt-adjustment permission. |\n\nSearch leads referring to a **Doc20 interlocutory request, a related Doc21 entry, a Doc28 settlement notice and proposed dismissal material** remain leads. They are not added to the actual source register as if their contents had been read.\n\n## F. Component coverage and remaining-evidence table\n\n| PASS-02 component | Status | Claims | Exact remaining evidence / next investigation |\n| --- | --- | --- | --- |\n| Preserve AG HTML’s 2006 header and limits | **Answered** | C001 | Retain version warning whenever reused. |\n| Obtain historical enactment base and identified amendments | **Answered for the documents read; chain incomplete** | C002–C005 | Resolve the official resulting codification, particularly the 2015 same-year wording issue. |\n| Authenticate current complete Chapter18-5 | **Partial — held** | C006–C008, C018 | Read official 2022 Volume16 Chapter18-5, then apply the already-read 2025 supplement and 2026 enactment/status evidence; check any later relevant enactment. |\n| Verify statutory percentage and stated monthly base | **Answered as enacted text; current authentication qualified** | C009 | Complete current-chapter authentication; do not replace the statutory base with an unexplained gross amount. |\n| Reopen Pries Doc19 pp.4–7/n.2 | **Answered** | C010–C011 | No further rereading needed absent a different rendition or later order. |\n| Determine Pries later disposition and appeal history | **Unresolved — held** | C012 | Complete post-Doc19 docket; actual disposition, modification/vacatur and appellate documents. |\n| Identify controlling Georgia appellate gross/net interpretation | **Unresolved — held** | C015 | Locate and read an actual controlling denominator ruling, if one exists, with subsequent-history verification. |\n| Compare current 2025 AG guidance | **Answered as source comparison; formal reconciliation unresolved** | C013–C014 | Actual formal clarification or controlling judicial treatment; publication shorthand alone is insufficient. |\n| Explain $400 total versus $400 distribution | **Answered conditionally** | C016–C017 | Verify the legal denominator and actual ledger components, measurement month and treatment of prior/returned/undistributed funds before transaction use. |\n| Patch earlier form/currentness records | **Partial** | C004–C005, C018 | Current official codification; fresh form review remains a separate task if needed. |\n| Attorney cases, including Mai/Bush subsequent status | **Excluded from this pass — remains held** | Earlier S_GA-P1-C036 | Separate authorized later case-history investigation. |\n| Agreement, funds, bond, remedies, collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract and broader case-law coverage | **Excluded from this pass — all remain open** | No acceptance inferred | Continue the separately required state passes; incidental reading here does not complete those categories. |\n\n### Researcher self-check\n\n- **Actually read:** the operative passages identified in S001–S017, including the fresh historical enactments, official supplement and reenactment provisions, judicial passages, agency guidance, and the two appellate opinions.\n- **Not read successfully:** the official main-volume chapter, the AG’s 2022 PDF contents, or the later *Pries* filings needed to establish final disposition and appellate history.\n- **Not promoted into evidence:** snippets, catalog entries, incomplete docket metadata, inaccessible files, provider statements or presumed contents of candidate URLs.\n- **Reused with attribution:** prior form observations, attorney-case findings and broader PASS-01 conditions. The coordinator’s supplied scope review is not represented as a fresh reading.\n- The calculations demonstrate consequences of stated assumptions; they do not clear their legal premises.\n- This is a **researcher self-check, not independent review**. Parallel research assistance is not represented as separate regular Chat conversations.\n- This follow-up used ordinary public web research in the existing conversation. No model/account setting was changed, and the preferred model selector was not independently verified.\n\n**Continuation boundary:** Current-chapter authentication, authoritative statewide denominator reconciliation and *Pries*’s later history remain explicitly held. Attorney-case status and every broader state category remain open. **Neither Georgia nor A066 acceptance is implied.**\n\nEND S_GA PASS-02.\n\n","tables":[{"headers":["Enactment","What the actual passage establishes","Status and limitation"],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Enactment","What the actual passage establishes","Status and limitation"],["2003 Act 103 / HB 385","Sections 1–6 replace the definitions, fee provision, exclusions and enforcement provision, and add §§18-5-3.1 and 18-5-3.2. Section 2 contains the 7.5% monthly creditor-distribution language.","Approved May 30, 2003; §7 makes the Act effective July 1, 2003. Official session-law text was read through DLG’s extraction. S002; C002, C009."],["2004 Act 564 / HB 1245","Section 18(1) expands §18-5-4(d)’s FBPA cross-reference.","The relevant amendment became effective on approval, May 13, 2004; §55’s delayed exceptions concern other sections. S003; C002."],["2015 HB 90 and SB 148","HB 90 deletes the Office of Thrift Supervision reference. SB 148’s §18 reproduces the fee provision, changes the repository provisions to the AG, and includes §18-5-5 rulemaking authority.","The official legislative summary reports March 13, 2015 for HB 90 and July 1, 2015 for SB 148. The primary bill texts were read on a third-party host. Their codification issue is discussed below. S004–S006; C003–C004."],["2020 Act 409 / SB 462","Section 9(4) expressly includes §18-5-3 in the replacement of “Georgia Industrial Loan Act” with “Georgia Installment Loan Act.”","Approved and effective June 30, 2020, under §11; §10 separately addresses installment-loan agreements entered on or after July 1, 2020. S007; C005."]]},{"headers":["Opinion","What it decides for this check"],"index":1,"links":[],"row_links":[[],[],[]],"rows":[["Opinion","What it decides for this check"],["American Debt Foundation, Inc. v. Hodzic","Reverses class certification for failure to establish numerosity. Its quotation of §18-5-2 does not decide the competing gross/net constructions. S016."],["Moon v. CSA–Credit Solutions of America, Inc.","Addresses the forum-selection and choice-of-law provisions before it. Neither the majority nor the separately identified special concurrence supplies the sought gross/net holding. S017."]]},{"headers":["Source ID","Document / issuer","Direct literal URL","Exact passage, version and effective status","Access / jurisdiction / limitation"],"index":2,"links":[{"href":"https://consumer.georgia.gov/consumer-services/debt-adjustment-act?utm_source=chatgpt.com","text":"https://consumer.georgia.gov/consumer-services/debt-adjustment-act"},{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1"},{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1"},{"href":"https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf?utm_source=chatgpt.com","text":"https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf"},{"href":"https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf?utm_source=chatgpt.com","text":"https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf"},{"href":"https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext"},{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext"},{"href":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf"},{"href":"https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download?utm_source=chatgpt.com","text":"https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download"},{"href":"https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf"},{"href":"https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf"},{"href":"https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download?utm_source=chatgpt.com","text":"https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download"},{"href":"https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699","text":"https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699"},{"href":"https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/","text":"https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/"},{"href":"https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt?utm_source=chatgpt.com","text":"https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt"},{"href":"https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate?utm_source=chatgpt.com","text":"https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate"},{"href":"https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html"},{"href":"https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html"}],"row_links":[[],[{"href":"https://consumer.georgia.gov/consumer-services/debt-adjustment-act?utm_source=chatgpt.com","text":"https://consumer.georgia.gov/consumer-services/debt-adjustment-act"}],[{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1"}],[{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1"}],[{"href":"https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf?utm_source=chatgpt.com","text":"https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf"}],[{"href":"https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf?utm_source=chatgpt.com","text":"https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf"}],[{"href":"https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext"}],[{"href":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext?utm_source=chatgpt.com","text":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext"}],[{"href":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf"}],[{"href":"https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download?utm_source=chatgpt.com","text":"https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download"}],[{"href":"https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf"}],[{"href":"https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf"}],[{"href":"https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download?utm_source=chatgpt.com","text":"https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download"}],[{"href":"https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699","text":"https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699"},{"href":"https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/","text":"https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/"}],[{"href":"https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt?utm_source=chatgpt.com","text":"https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt"}],[{"href":"https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate?utm_source=chatgpt.com","text":"https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate"}],[{"href":"https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html"}],[{"href":"https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html"}]],"rows":[["Source ID","Document / issuer","Direct literal URL","Exact passage, version and effective status","Access / jurisdiction / limitation"],["S_GA-P2-S001","Debt Adjustment Act — Georgia AG Consumer Protection Division","https://consumer.georgia.gov/consumer-services/debt-adjustment-act","Header: copyright 2006, current through 2006 regular session; displayed §§18-5-1 through -4, including -3.1 and -3.2.","A1; Georgia. Historical-header HTML with mixed terminology; not authenticated current consolidation."],["S_GA-P2-S002","Georgia Laws 2003, vol.I, Act103/HB385 — Georgia General Assembly; DLG/UGA host","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1","Printed pp.392–395, §§1–8; fee §2/p.393; §3.2 enacted by §5/p.394; effective §7/p.395. Approved May30; effective July1,2003.","A1; Georgia. Official historical session-law publication; extracted-text/OCR caveat."],["S_GA-P2-S003","Georgia Laws 2004, vol.I, Act564/HB1245 — Georgia General Assembly; DLG/UGA","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1","Act header p.631; §18(1)/p.637; §§54–56/pp.644–645 and approval. Relevant provision effective May13,2004.","A1; Georgia. Official historical enactment; OCR caveat."],["S_GA-P2-S004","2015 HB90, enrolled/as passed, LC33 5888S/AP — Georgia General Assembly; LegiScan mirror","https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf","§18(1), p.7, bill lines198–202; §54(e), p.16, lines519–522; §55, p.17. Approval-based effectiveness; S006 reports March13,2015.","A1; Georgia. Primary legislative document on third-party host; current codification not established by this document alone."],["S_GA-P2-S005","2015 SB148, enrolled — Georgia General Assembly; LegiScan mirror","https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf","§18, pp.92–94, including §§18-5-1, -2, -3, -3.1, -4 and -5; §47/p.134 repealer. S006 reports July1,2015 effectiveness.","A1; Georgia. Primary bill text, freshly reopened; OTS reproduction and omission of printed §3.2 require careful codification treatment."],["S_GA-P2-S006","2015 Summary of General Statutes — Georgia legislative services/Office of Legislative Counsel; DLG","https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext","Printed p.1, Act9/HB90; p.5, Act187/SB148. Reports effective dates March13 and July1,2015.","A1; Georgia. Official enactment-status summary; not a substitute for operative statutory language."],["S_GA-P2-S007","Georgia Laws 2020, vol.I, Act409/SB462 — Georgia General Assembly; DLG","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext","Header p.156; §9(4), p.180; §10, p.180; §§11–12 and approval, p.181. Effective approval June30,2020; agreement applicability July1 onward.","A1; Georgia. The catalog mentions the extraordinary session, but the volume also contains the regular-session Act read here. OCR caveat."],["S_GA-P2-S008","Official Code of Georgia Annotated, 2025 Supplement, vol.16, 2022 edition — Code Revision Commission/Legislative Counsel/LexisNexis; legislature host","https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf","Title/front matter, printed iii; entire Title18 portion, printed pp.1–4 / PDF pp.5–8. Statutory coverage through 2025 regular session; annotations through May12,2025.","A1; Georgia. Official supplement, not the main chapter text; no Chapter5 entry observed."],["S_GA-P2-S009","2026 HB1268, Act723, LC39 4848/AP — Georgia General Assembly; Governor signed-legislation host","https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download","§18/p.6 reserved; §55(a)–(e), pp.55–57, lines1349–1412; §56/p.57. Enacted; S010 reports effective July1,2026.","A1; Georgia. Reenactment text read; does not itself reproduce Chapter18-5."],["S_GA-P2-S010","2026 Summary of General Statutes — legislative services/Office of Legislative Counsel","https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf","Foreword; Title18 listing; printed p.21/PDF p.31, Act723/HB1268; Code-section index around printed pp.54–55.","A1; Georgia. Regular-session summary with stated exclusions; status and discovery support only."],["S_GA-P2-S011","2026 Special Session House Journal — Georgia House of Representatives","https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf","Title page: June17–23,2026 session; printed pp.33–35/PDF pp.37–39, amended June3 proclamation and five purposes.","A1; Georgia. Actual proclamation text read in official journal; not every journal page read."],["S_GA-P2-S012","2026 SB3EX, as passed — Georgia General Assembly; Governor signed-legislation host","https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download","All five pages, §§1–6. Election amendments; §5 approval-based effectiveness.","A1; Georgia. Listed as signed; exact signing date not established here. Used to check for a Chapter18-5 amendment, not as fee authority."],["S_GA-P2-S013","Pries v. GreenPath, Inc., No.5:20-cv-00353-MTT, Doc19 — U.S. District Court, M.D.Ga.","https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699 ; https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/","Filed January5,2021; pp.4–7, p.6 n.2, p.10.","A1; federal court applying Georgia law. Same judicial document, two renditions; subsequent status held."],["S_GA-P2-S014","Finding a reputable lender to consolidate credit card debt — Georgia AG ConsumerEd","https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt","September26,2025; item5 and final substantive paragraph.","A1; Georgia. Informal consumer guidance; publication date is not a statutory effective date."],["S_GA-P2-S015","Is debt settlement legitimate? — Georgia ConsumerEd","https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate","October11,2013; paragraphs beginning “If a debt adjuster…” and “While up-front fees…”","A1; Georgia. Historical guidance, used for wording history; no independent fee-timing authorization inferred."],["S_GA-P2-S016","American Debt Foundation, Inc. v. Hodzic, 312 Ga.App.806, 720 S.E.2d283 — Georgia Court of Appeals","https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html","November22,2011; Divisions1–2; nn.2–4,27.","A1; Georgia appellate. Actual opinion on third-party host; denominator issue not decided."],["S_GA-P2-S017","Moon v. CSA–Credit Solutions of America, Inc., 696 S.E.2d486 — Georgia Court of Appeals","https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html","June22,2010; majority opinion and separately labeled Ellington special concurrence, including nn.1–3.","A1; Georgia appellate. Actual opinion read; no gross/net holding inferred from either opinion."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness and confidence limits"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness and confidence limits"],["S_GA-P2-C001","The AG HTML retains an express 2006-currentness header and does not authenticate the complete current chapter.","S001 header; displayed sections","High on observed version limitations."],["S_GA-P2-C002","The 2003 Act supplies an enacted chapter base effective July1,2003; the identified 2004 amendment corrects §18-5-4(d)’s FBPA citation.","S002 §§1–8, pp.392–395; S003 §18(1), §§54–56","High on extracted enactment text; historical sources with OCR limitations."],["S_GA-P2-C003","SB148 reproduces the fee language, changes repository provisions to the AG and includes §18-5-5; its omission of printed §3.2 does not alone prove repeal.","S005 §18, pp.92–94; S002 §5","High on contents; current consolidation still held."],["S_GA-P2-C004","HB90’s OTS deletion, SB148’s reproduction and HB90’s same-session conflict clause require codification reconciliation.","S004 §18(1), §54(e); S005 §18/§18-5-3","High on discrepancy; resulting authenticated current wording unresolved."],["S_GA-P2-C005","SB462 expressly changes §18-5-3’s Industrial Loan Act reference to Installment Loan Act.","S007 §9(4)/p.180; §§10–11/pp.180–181","High on amendment; effective June30,2020, with separate agreement-applicability clause."],["S_GA-P2-C006","The official 2025 supplement has no Chapter18-5 entry and requires the 2022 main volume for the underlying text.","S008 front matter; printed pp.1–4","High on document contents; does not establish unread main-volume wording."],["S_GA-P2-C007","HB1268 reenacts the specified official statutory material and distinguishes it from nonstatutory annotations; §18 is reserved.","S009 §18; §55(a)–(e); S010 p.21","High on text; July1,2026 effectiveness reported by official summary."],["S_GA-P2-C008","The regular- and special-session materials checked supplied no identified new Chapter18-5 amendment.","S009–S012, specified passages/index checks","Bounded negative. Not exhaustive certification of every enactment or indirect effect."],["S_GA-P2-C009","The freshly read enactments limit combined ordinary consideration to 7.5% of the statutory monthly creditor-distribution amount for a Georgia-resident debtor, with a separate reasonable NSF-charge proviso.","S002 §2/p.393; S005 §18/§18-5-2/p.93","High on enacted text; exact 2026 consolidated authentication remains qualified."],["S_GA-P2-C010","Doc19 adopts a creditor-distribution base excluding provider compensation.","S013 pp.4–7","High on the ruling read; C012 limits its use."],["S_GA-P2-C011","Footnote2’s resource-funded lump-sum illustration does not establish general settlement-provider permission.","S013 p.6 n.2; comparison S014 item5","High on passage; model-wide legal reconciliation held."],["S_GA-P2-C012","Doc19 denies dismissal; final disposition, modification/vacatur and appeal history remain unverified.","S013 p.10; F4–F6","High on procedural order; unresolved later status."],["S_GA-P2-C013","The 2025 “off the top” language is ambiguous about the denominator and does not establish a formal AG gross-base rule or rejection of the judicial construction.","S014 final substantive paragraph; F7","High on wording; characterization is a reasoned inference, not an identified AG explanation."],["S_GA-P2-C014","Comparable shorthand existed in 2013, before the judicial order; publication in 2025 alone does not prove a response to it.","S015 specified paragraphs","High on chronology; editorial intent unknown."],["S_GA-P2-C015","No controlling Georgia appellate gross/net ruling was identified; Hodzic and Moon do not resolve it.","S016 Divs.1–2; S017 majority/concurrence; targeted searches","High on those opinions’ limits; search completeness qualified."],["S_GA-P2-C016","The two $400 calculations depend on whether $400 denotes D or T, and on the assumption T=D+F.","C009–C010; explicit example inputs and algebra","High arithmetic confidence; conditional legal premises. No rounding rule established."],["S_GA-P2-C017","No example clears actual provider eligibility, exemption, handling compliance or fee timing.","Explicit assumptions; PASS-01 dependencies below","Scope limitation, not a fresh determination of all underlying requirements."],["S_GA-P2-C018","Current-chapter authentication remains held despite stronger enactment and later-currentness evidence.","S001–S012; F1–F3","High on research limitation; readable official chapter/codification remains missing."]]},{"headers":["Earlier claim ID","Patch disposition","Precise updated record / retained limitation","PASS-02 support"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Earlier claim ID","Patch disposition","Precise updated record / retained limitation","PASS-02 support"],["S_GA-P1-C014","Retain rate; qualify currentness and base.","Retain the 7.5% statutory monthly creditor-distribution formulation. Distinguish the statute’s wording from the judicial denominator construction. Do not treat “amount paid to provider” alone as a verified gross base.","C009–C010, C018; S002 §2; S005 §18; S013 pp.4–7."],["S_GA-P1-C016","Refine the characterization of contrary guidance.","Preserve the verified judicial construction. Replace “guidance suggests a conflicting gross-payment treatment” with “informal guidance uses potentially conflicting but undefined ‘off the top’ shorthand.” No formal supersession established; statewide resolution and later history remain held.","C010–C015; S013–S017."],["S_GA-P1-C025","Retain discrepancy hold; add specific amendment evidence.","The earlier form observations remain attributed to PASS-01. Fresh SB462 evidence confirms the terminology amendment. HB90/SB148’s same-year OTS issue requires reconciliation with authenticated codification. No current form contents were freshly reverified here.","C004–C005, C018; S004–S007; prior S_GA-P1-S010–S011 remain dependencies."],["S_GA-P1-C027","Strengthen support without closing authentication.","Add official 2003/2004/2020 enactments, the official 2025 supplement, 2026 reenactment, and special-session checks. Retain the explicit absence of a readable authenticated current consolidated chapter and complete certified chain.","C001–C008, C018; S001–S012."],["S_GA-P1-C036","Narrow update only.","The Pries reading is refreshed; later history remains held. Mai and Bush retain their prior authority/procedural qualifications and unverified subsequent-history status. No fresh attorney-case conclusion is supplied.","C012, C015; S013, S016–S017; prior S_GA-P1-S018–S019 unchanged."]]},{"headers":["PASS-01 evidence / claim","Treatment in PASS-02"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-01 evidence / claim","Treatment in PASS-02"],["S_GA-P1-S001 — SB148","Same primary bill freshly reopened as S_GA-P2-S005."],["S_GA-P1-S026 — HB90","Same primary bill freshly reopened as S_GA-P2-S004."],["S_GA-P1-S004 — 2020 SB462 mirror","Relevant amendment newly supported by official session-law publication S_GA-P2-S007."],["S_GA-P1-S013 — Pries Doc19","Freshly reopened as S_GA-P2-S013; no new final-disposition evidence obtained."],["S_GA-P1-S015 — 2025 ConsumerEd","Freshly reopened as S_GA-P2-S014."],["S_GA-P1-S002 — 2025 statutory mirror","Prior corroboration only. It is not promoted to authenticated current official text."],["S_GA-P1-S010–S011 — forms","Prior observations reused with attribution; not freshly reread."],["S_GA-P1-S018–S019 — Mai/Bush","Untouched; attorney-case status remains held."],["PASS-01 provider conditions, handling/timing and federal-context findings","Background dependencies only. This pass does not refresh them or use the fee calculations as permission to request or receive a fee."]]},{"headers":["Route ID","Direct literal route","Actual result and evidentiary consequence","Exact next evidence needed"],"index":6,"links":[{"href":"https://www.legis.ga.gov/legislation/georgia-code?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/legislation/georgia-code"},{"href":"https://w3.lexis-nexis.com/hottopics/gacode/default.asp?utm_source=chatgpt.com","text":"https://w3.lexis-nexis.com/hottopics/gacode/default.asp"},{"href":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf","text":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf"},{"href":"https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download?utm_source=chatgpt.com","text":"https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download"},{"href":"https://archive.org/details/gov.ga.ocga.2024?utm_source=chatgpt.com","text":"https://archive.org/details/gov.ga.ocga.2024"},{"href":"https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf","text":"https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf"},{"href":"https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt","text":"https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt"},{"href":"https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/?utm_source=chatgpt.com","text":"https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/"},{"href":"https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC?utm_source=chatgpt.com","text":"https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC"},{"href":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf","text":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf"},{"href":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf","text":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf"},{"href":"https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400","text":"https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400"},{"href":"https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353"},{"href":"https://law.georgia.gov/opinions/official?utm_source=chatgpt.com","text":"https://law.georgia.gov/opinions/official"},{"href":"https://law.georgia.gov/opinions/unofficial?utm_source=chatgpt.com","text":"https://law.georgia.gov/opinions/unofficial"},{"href":"https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session?utm_source=chatgpt.com","text":"https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session"}],"row_links":[[],[{"href":"https://www.legis.ga.gov/legislation/georgia-code?utm_source=chatgpt.com","text":"https://www.legis.ga.gov/legislation/georgia-code"},{"href":"https://w3.lexis-nexis.com/hottopics/gacode/default.asp?utm_source=chatgpt.com","text":"https://w3.lexis-nexis.com/hottopics/gacode/default.asp"},{"href":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf","text":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf"}],[{"href":"https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download?utm_source=chatgpt.com","text":"https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download"}],[{"href":"https://archive.org/details/gov.ga.ocga.2024?utm_source=chatgpt.com","text":"https://archive.org/details/gov.ga.ocga.2024"},{"href":"https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf","text":"https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf"},{"href":"https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt","text":"https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt"}],[{"href":"https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/?utm_source=chatgpt.com","text":"https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/"},{"href":"https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC?utm_source=chatgpt.com","text":"https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC"}],[{"href":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf","text":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf"},{"href":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf","text":"https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf"}],[{"href":"https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400","text":"https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400"},{"href":"https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353"}],[{"href":"https://law.georgia.gov/opinions/official?utm_source=chatgpt.com","text":"https://law.georgia.gov/opinions/official"},{"href":"https://law.georgia.gov/opinions/unofficial?utm_source=chatgpt.com","text":"https://law.georgia.gov/opinions/unofficial"}],[{"href":"https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session?utm_source=chatgpt.com","text":"https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session"}]],"rows":[["Route ID","Direct literal route","Actual result and evidentiary consequence","Exact next evidence needed"],["F1","https://www.legis.ga.gov/legislation/georgia-code ; https://w3.lexis-nexis.com/hottopics/gacode/default.asp ; https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-2022-pdf.pdf","Code landing page returned a loading shell; Lexis route was inaccessible; main-volume PDF failed parsing. Failure is not proof the document does not exist.","Read official main-volume §§18-5-1 through -5, including -3.1/-3.2, and reconcile with S008–S010."],["F2","https://consumer.georgia.gov/document/document/debt-adjustment-act-2022/download","Eight-page PDF returned no extracted text; the attempted screenshot route did not supply a usable image for reading. Contents not authenticated or relied upon.","Obtain a readable ordinary-public rendition of the actual official document, including its version statement."],["F3","https://archive.org/details/gov.ga.ocga.2024 ; https://archive.org/download/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022.pdf ; https://archive.org/stream/gov.ga.ocga.2024/T18-T19%20%28V16%29%202022_djvu.txt","Catalog/provenance description was readable; PDF was inaccessible; the research branch’s OCR route exceeded the tool’s content limit. Catalog metadata is not chapter text.","Read the actual published volume and verify its title/version and Chapter18-5 pages."],["F4","https://www.courtlistener.com/docket/18520846/pries-v-greenpath-inc/ ; https://www.pacermonitor.com/public/case/36144999/PRIES_et_al_v_GREENPATH%2C_INC","Root reopenings returned 403; an earlier branch also encountered 429 on PACERMonitor. Search snippets exposed possible post-Doc19 filings, not readable entered orders.","Complete post-Doc19 docket and actual later filings, including the interlocutory request/outcome, settlement notice, dismissal instrument and any appeal."],["F5","https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.28.0.pdf ; https://storage.courtlistener.com/recap/gov.uscourts.gamd.117400/gov.uscourts.gamd.117400.29.2.pdf","Candidate static document paths were inaccessible. A guessed path does not establish document identity, entry, contents or legal effect.","Verified docket-to-document links and actual entered documents."],["F6","https://dockets.justia.com/docket/georgia/gamdce/5:2020cv00353/117400 ; https://www.govinfo.gov/app/details/USCOURTS-gamd-5_20-cv-00353","Justia’s readable docket is expressly stale and incomplete. GovInfo supplied metadata for the January2021 opinion, not complete later history.","Current complete docket, final disposition, any vacatur/modification and appellate docket/outcome."],["F7","https://law.georgia.gov/opinions/official ; https://law.georgia.gov/opinions/unofficial","Index pages and targeted searches did not identify a formal gross/net reconciliation. Searches also targeted the official rules domain and the parties/statutory section. Index/search absence is not proof of nonexistence.","Any actual numbered AG opinion, adopted rule/order or appellate decision resolving the denominator, read with its current status."],["F8","https://gov.georgia.gov/executive-action/legislation/signed-legislation/2026-special-session","The substantive listing identified SB3EX. The listing was used for discovery; its linked full text was separately read as S012.","Any subsequently identified relevant Act must be read directly; the listing itself does not establish debt-adjustment permission."]]},{"headers":["PASS-02 component","Status","Claims","Exact remaining evidence / next investigation"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-02 component","Status","Claims","Exact remaining evidence / next investigation"],["Preserve AG HTML’s 2006 header and limits","Answered","C001","Retain version warning whenever reused."],["Obtain historical enactment base and identified amendments","Answered for the documents read; chain incomplete","C002–C005","Resolve the official resulting codification, particularly the 2015 same-year wording issue."],["Authenticate current complete Chapter18-5","Partial — held","C006–C008, C018","Read official 2022 Volume16 Chapter18-5, then apply the already-read 2025 supplement and 2026 enactment/status evidence; check any later relevant enactment."],["Verify statutory percentage and stated monthly base","Answered as enacted text; current authentication qualified","C009","Complete current-chapter authentication; do not replace the statutory base with an unexplained gross amount."],["Reopen Pries Doc19 pp.4–7/n.2","Answered","C010–C011","No further rereading needed absent a different rendition or later order."],["Determine Pries later disposition and appeal history","Unresolved — held","C012","Complete post-Doc19 docket; actual disposition, modification/vacatur and appellate documents."],["Identify controlling Georgia appellate gross/net interpretation","Unresolved — held","C015","Locate and read an actual controlling denominator ruling, if one exists, with subsequent-history verification."],["Compare current 2025 AG guidance","Answered as source comparison; formal reconciliation unresolved","C013–C014","Actual formal clarification or controlling judicial treatment; publication shorthand alone is insufficient."],["Explain $400 total versus $400 distribution","Answered conditionally","C016–C017","Verify the legal denominator and actual ledger components, measurement month and treatment of prior/returned/undistributed funds before transaction use."],["Patch earlier form/currentness records","Partial","C004–C005, C018","Current official codification; fresh form review remains a separate task if needed."],["Attorney cases, including Mai/Bush subsequent status","Excluded from this pass — remains held","Earlier S_GA-P1-C036","Separate authorized later case-history investigation."],["Agreement, funds, bond, remedies, collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract and broader case-law coverage","Excluded from this pass — all remain open","No acceptance inferred","Continue the separately required state passes; incidental reading here does not complete those categories."]]}],"claims":[{"claim_id":"S_GA-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C001","Precise assertion":"The AG HTML retains an express 2006-currentness header and does not authenticate the complete current chapter.","Sources / pinpoints":"S001 header; displayed sections","Conditions, currentness and confidence limits":"High on observed version limitations."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C002","Precise assertion":"The 2003 Act supplies an enacted chapter base effective July1,2003; the identified 2004 amendment corrects §18-5-4(d)’s FBPA citation.","Sources / pinpoints":"S002 §§1–8, pp.392–395; S003 §18(1), §§54–56","Conditions, currentness and confidence limits":"High on extracted enactment text; historical sources with OCR limitations."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C003","Precise assertion":"SB148 reproduces the fee language, changes repository provisions to the AG and includes §18-5-5; its omission of printed §3.2 does not alone prove repeal.","Sources / pinpoints":"S005 §18, pp.92–94; S002 §5","Conditions, currentness and confidence limits":"High on contents; current consolidation still held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C004","Precise assertion":"HB90’s OTS deletion, SB148’s reproduction and HB90’s same-session conflict clause require codification reconciliation.","Sources / pinpoints":"S004 §18(1), §54(e); S005 §18/§18-5-3","Conditions, currentness and confidence limits":"High on discrepancy; resulting authenticated current wording unresolved."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C005","Precise assertion":"SB462 expressly changes §18-5-3’s Industrial Loan Act reference to Installment Loan Act.","Sources / pinpoints":"S007 §9(4)/p.180; §§10–11/pp.180–181","Conditions, currentness and confidence limits":"High on amendment; effective June30,2020, with separate agreement-applicability clause."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C006","Precise assertion":"The official 2025 supplement has no Chapter18-5 entry and requires the 2022 main volume for the underlying text.","Sources / pinpoints":"S008 front matter; printed pp.1–4","Conditions, currentness and confidence limits":"High on document contents; does not establish unread main-volume wording."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C007","Precise assertion":"HB1268 reenacts the specified official statutory material and distinguishes it from nonstatutory annotations; §18 is reserved.","Sources / pinpoints":"S009 §18; §55(a)–(e); S010 p.21","Conditions, currentness and confidence limits":"High on text; July1,2026 effectiveness reported by official summary."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C008","Precise assertion":"The regular- and special-session materials checked supplied no identified new Chapter18-5 amendment.","Sources / pinpoints":"S009–S012, specified passages/index checks","Conditions, currentness and confidence limits":"Bounded negative. Not exhaustive certification of every enactment or indirect effect."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C009","Precise assertion":"The freshly read enactments limit combined ordinary consideration to 7.5% of the statutory monthly creditor-distribution amount for a Georgia-resident debtor, with a separate reasonable NSF-charge proviso.","Sources / pinpoints":"S002 §2/p.393; S005 §18/§18-5-2/p.93","Conditions, currentness and confidence limits":"High on enacted text; exact 2026 consolidated authentication remains qualified."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C010","Precise assertion":"Doc19 adopts a creditor-distribution base excluding provider compensation.","Sources / pinpoints":"S013 pp.4–7","Conditions, currentness and confidence limits":"High on the ruling read; C012 limits its use."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C011","Precise assertion":"Footnote2’s resource-funded lump-sum illustration does not establish general settlement-provider permission.","Sources / pinpoints":"S013 p.6 n.2; comparison S014 item5","Conditions, currentness and confidence limits":"High on passage; model-wide legal reconciliation held."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C012","Precise assertion":"Doc19 denies dismissal; final disposition, modification/vacatur and appeal history remain unverified.","Sources / pinpoints":"S013 p.10; F4–F6","Conditions, currentness and confidence limits":"High on procedural order; unresolved later status."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C013","Precise assertion":"The 2025 “off the top” language is ambiguous about the denominator and does not establish a formal AG gross-base rule or rejection of the judicial construction.","Sources / pinpoints":"S014 final substantive paragraph; F7","Conditions, currentness and confidence limits":"High on wording; characterization is a reasoned inference, not an identified AG explanation."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C014","Precise assertion":"Comparable shorthand existed in 2013, before the judicial order; publication in 2025 alone does not prove a response to it.","Sources / pinpoints":"S015 specified paragraphs","Conditions, currentness and confidence limits":"High on chronology; editorial intent unknown."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C015","Precise assertion":"No controlling Georgia appellate gross/net ruling was identified; Hodzic and Moon do not resolve it.","Sources / pinpoints":"S016 Divs.1–2; S017 majority/concurrence; targeted searches","Conditions, currentness and confidence limits":"High on those opinions’ limits; search completeness qualified."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C016","Precise assertion":"The two $400 calculations depend on whether $400 denotes D or T, and on the assumption T=D+F.","Sources / pinpoints":"C009–C010; explicit example inputs and algebra","Conditions, currentness and confidence limits":"High arithmetic confidence; conditional legal premises. No rounding rule established."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C017","Precise assertion":"No example clears actual provider eligibility, exemption, handling compliance or fee timing.","Sources / pinpoints":"Explicit assumptions; PASS-01 dependencies below","Conditions, currentness and confidence limits":"Scope limitation, not a fresh determination of all underlying requirements."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_GA-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_GA-P2-C018","Precise assertion":"Current-chapter authentication remains held despite stronger enactment and later-currentness evidence.","Sources / pinpoints":"S001–S012; F1–F3","Conditions, currentness and confidence limits":"High on research limitation; readable official chapter/codification remains missing."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_GA-P2-S001","urls":["https://consumer.georgia.gov/consumer-services/debt-adjustment-act","https://consumer.georgia.gov/consumer-services/debt-adjustment-act?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S001","Document / issuer":"Debt Adjustment Act — Georgia AG Consumer Protection Division","Direct literal URL":"https://consumer.georgia.gov/consumer-services/debt-adjustment-act","Exact passage, version and effective status":"Header: copyright 2006, current through 2006 regular session; displayed §§18-5-1 through -4, including -3.1 and -3.2.","Access / jurisdiction / limitation":"A1; Georgia. Historical-header HTML with mixed terminology; not authenticated current consolidation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S002","urls":["https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S002","Document / issuer":"Georgia Laws 2003, vol.I, Act103/HB385 — Georgia General Assembly; DLG/UGA host","Direct literal URL":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2003-bv-p1","Exact passage, version and effective status":"Printed pp.392–395, §§1–8; fee §2/p.393; §3.2 enacted by §5/p.394; effective §7/p.395. Approved May30; effective July1,2003.","Access / jurisdiction / limitation":"A1; Georgia. Official historical session-law publication; extracted-text/OCR caveat."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S003","urls":["https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S003","Document / issuer":"Georgia Laws 2004, vol.I, Act564/HB1245 — Georgia General Assembly; DLG/UGA","Direct literal URL":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2004-bv-p1","Exact passage, version and effective status":"Act header p.631; §18(1)/p.637; §§54–56/pp.644–645 and approval. Relevant provision effective May13,2004.","Access / jurisdiction / limitation":"A1; Georgia. Official historical enactment; OCR caveat."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S004","urls":["https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf","https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S004","Document / issuer":"2015 HB90, enrolled/as passed, LC33 5888S/AP — Georgia General Assembly; LegiScan mirror","Direct literal URL":"https://legiscan.com/GA/text/HB90/id/1162982/Georgia-2015-HB90-Enrolled.pdf","Exact passage, version and effective status":"§18(1), p.7, bill lines198–202; §54(e), p.16, lines519–522; §55, p.17. Approval-based effectiveness; S006 reports March13,2015.","Access / jurisdiction / limitation":"A1; Georgia. Primary legislative document on third-party host; current codification not established by this document alone."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S005","urls":["https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf","https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S005","Document / issuer":"2015 SB148, enrolled — Georgia General Assembly; LegiScan mirror","Direct literal URL":"https://legiscan.com/GA/text/SB148/id/1204558/Georgia-2015-SB148-Enrolled.pdf","Exact passage, version and effective status":"§18, pp.92–94, including §§18-5-1, -2, -3, -3.1, -4 and -5; §47/p.134 repealer. S006 reports July1,2015 effectiveness.","Access / jurisdiction / limitation":"A1; Georgia. Primary bill text, freshly reopened; OTS reproduction and omission of printed §3.2 require careful codification treatment."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S006","urls":["https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext","https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S006","Document / issuer":"2015 Summary of General Statutes — Georgia legislative services/Office of Legislative Counsel; DLG","Direct literal URL":"https://dlg.usg.edu/record/dlg_ggpd_s-ga-bl400-pl4-bs1-bs7-b2015-belec-p-btext","Exact passage, version and effective status":"Printed p.1, Act9/HB90; p.5, Act187/SB148. Reports effective dates March13 and July1,2015.","Access / jurisdiction / limitation":"A1; Georgia. Official enactment-status summary; not a substitute for operative statutory language."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S007","urls":["https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext","https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S007","Document / issuer":"Georgia Laws 2020, vol.I, Act409/SB462 — Georgia General Assembly; DLG","Direct literal URL":"https://dlg.usg.edu/record/dlg_ggpd_y-ga-bl407-b2020-bv-p1-belec-p-btext","Exact passage, version and effective status":"Header p.156; §9(4), p.180; §10, p.180; §§11–12 and approval, p.181. Effective approval June30,2020; agreement applicability July1 onward.","Access / jurisdiction / limitation":"A1; Georgia. The catalog mentions the extraordinary session, but the volume also contains the regular-session Act read here. OCR caveat."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S008","urls":["https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf","https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S008","Document / issuer":"Official Code of Georgia Annotated, 2025 Supplement, vol.16, 2022 edition — Code Revision Commission/Legislative Counsel/LexisNexis; legislature host","Direct literal URL":"https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t18-t19-(v16)-pdf.pdf","Exact passage, version and effective status":"Title/front matter, printed iii; entire Title18 portion, printed pp.1–4 / PDF pp.5–8. Statutory coverage through 2025 regular session; annotations through May12,2025.","Access / jurisdiction / limitation":"A1; Georgia. Official supplement, not the main chapter text; no Chapter5 entry observed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S009","urls":["https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download","https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S009","Document / issuer":"2026 HB1268, Act723, LC39 4848/AP — Georgia General Assembly; Governor signed-legislation host","Direct literal URL":"https://gov.georgia.gov/document/2026-signed-legislation/hb-1268/download","Exact passage, version and effective status":"§18/p.6 reserved; §55(a)–(e), pp.55–57, lines1349–1412; §56/p.57. Enacted; S010 reports effective July1,2026.","Access / jurisdiction / limitation":"A1; Georgia. Reenactment text read; does not itself reproduce Chapter18-5."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S010","urls":["https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf","https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S010","Document / issuer":"2026 Summary of General Statutes — legislative services/Office of Legislative Counsel","Direct literal URL":"https://www.legis.ga.gov/api/document/docs/default-source/general-statutes/sumdoc2026_finalb6de4f3e-b2e8-49d5-bc38-34c4f39c2207.pdf","Exact passage, version and effective status":"Foreword; Title18 listing; printed p.21/PDF p.31, Act723/HB1268; Code-section index around printed pp.54–55.","Access / jurisdiction / limitation":"A1; Georgia. Regular-session summary with stated exclusions; status and discovery support only."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S011","urls":["https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf","https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S011","Document / issuer":"2026 Special Session House Journal — Georgia House of Representatives","Direct literal URL":"https://www.legis.ga.gov/api/document/docs/default-source/house-journal-document-library/2026-special-session-journal.pdf","Exact passage, version and effective status":"Title page: June17–23,2026 session; printed pp.33–35/PDF pp.37–39, amended June3 proclamation and five purposes.","Access / jurisdiction / limitation":"A1; Georgia. Actual proclamation text read in official journal; not every journal page read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S012","urls":["https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download","https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S012","Document / issuer":"2026 SB3EX, as passed — Georgia General Assembly; Governor signed-legislation host","Direct literal URL":"https://gov.georgia.gov/document/2026-special-session-signed-legislation/sb-3ex/download","Exact passage, version and effective status":"All five pages, §§1–6. Election amendments; §5 approval-based effectiveness.","Access / jurisdiction / limitation":"A1; Georgia. Listed as signed; exact signing date not established here. Used to check for a Chapter18-5 amendment, not as fee authority."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S013","urls":["https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699","https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/"],"researcher_record":{"Source ID":"S_GA-P2-S013","Document / issuer":"Pries v. GreenPath, Inc., No.5:20-cv-00353-MTT, Doc19 — U.S. District Court, M.D.Ga.","Direct literal URL":"https://cases.justia.com/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/0.pdf?ts=1618256699 ; https://law.justia.com/cases/federal/district-courts/georgia/gamdce/5:2020cv00353/117400/19/","Exact passage, version and effective status":"Filed January5,2021; pp.4–7, p.6 n.2, p.10.","Access / jurisdiction / limitation":"A1; federal court applying Georgia law. Same judicial document, two renditions; subsequent status held."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_GA-P2-S014","urls":["https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt","https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S014","Document / issuer":"Finding a reputable lender to consolidate credit card debt — Georgia AG ConsumerEd","Direct literal URL":"https://consumered.georgia.gov/ask-ed/2025-09-26/finding-reputable-lender-consolidate-credit-card-debt","Exact passage, version and effective status":"September26,2025; item5 and final substantive paragraph.","Access / jurisdiction / limitation":"A1; Georgia. Informal consumer guidance; publication date is not a statutory effective date."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_GA-P2-S015","urls":["https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate","https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S015","Document / issuer":"Is debt settlement legitimate? — Georgia ConsumerEd","Direct literal URL":"https://consumered.georgia.gov/ask-ed/2013-10-11/debt-settlement-legitimate","Exact passage, version and effective status":"October11,2013; paragraphs beginning “If a debt adjuster…” and “While up-front fees…”","Access / jurisdiction / limitation":"A1; Georgia. Historical guidance, used for wording history; no independent fee-timing authorization inferred."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_GA-P2-S016","urls":["https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html","https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S016","Document / issuer":"American Debt Foundation, Inc. v. Hodzic, 312 Ga.App.806, 720 S.E.2d283 — Georgia Court of Appeals","Direct literal URL":"https://law.justia.com/cases/georgia/court-of-appeals/2011/a11a1200.html","Exact passage, version and effective status":"November22,2011; Divisions1–2; nn.2–4,27.","Access / jurisdiction / limitation":"A1; Georgia appellate. Actual opinion on third-party host; denominator issue not decided."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_GA-P2-S017","urls":["https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html","https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_GA-P2-S017","Document / issuer":"Moon v. CSA–Credit Solutions of America, Inc., 696 S.E.2d486 — Georgia Court of Appeals","Direct literal URL":"https://law.justia.com/cases/georgia/court-of-appeals/2010/a10a0597-0.html","Exact passage, version and effective status":"June22,2010; majority opinion and separately labeled Ellington special concurrence, including nn.1–3.","Access / jurisdiction / limitation":"A1; Georgia appellate. Actual opinion read; no gross/net holding inferred from either opinion."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Preserve AG HTML’s 2006 header and limits","researcher_record":{"PASS-02 component":"Preserve AG HTML’s 2006 header and limits","Status":"Answered","Claims":"C001","Exact remaining evidence / next investigation":"Retain version warning whenever reused."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Obtain historical enactment base and identified amendments","researcher_record":{"PASS-02 component":"Obtain historical enactment base and identified amendments","Status":"Answered for the documents read; chain incomplete","Claims":"C002–C005","Exact remaining evidence / next investigation":"Resolve the official resulting codification, particularly the 2015 same-year wording issue."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Authenticate current complete Chapter18-5","researcher_record":{"PASS-02 component":"Authenticate current complete Chapter18-5","Status":"Partial — held","Claims":"C006–C008, C018","Exact remaining evidence / next investigation":"Read official 2022 Volume16 Chapter18-5, then apply the already-read 2025 supplement and 2026 enactment/status evidence; check any later relevant enactment."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Verify statutory percentage and stated monthly base","researcher_record":{"PASS-02 component":"Verify statutory percentage and stated monthly base","Status":"Answered as enacted text; current authentication qualified","Claims":"C009","Exact remaining evidence / next investigation":"Complete current-chapter authentication; do not replace the statutory base with an unexplained gross amount."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Reopen Pries Doc19 pp.4–7/n.2","researcher_record":{"PASS-02 component":"Reopen Pries Doc19 pp.4–7/n.2","Status":"Answered","Claims":"C010–C011","Exact remaining evidence / next investigation":"No further rereading needed absent a different rendition or later order."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Determine Pries later disposition and appeal history","researcher_record":{"PASS-02 component":"Determine Pries later disposition and appeal history","Status":"Unresolved — held","Claims":"C012","Exact remaining evidence / next investigation":"Complete post-Doc19 docket; actual disposition, modification/vacatur and appellate documents."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Identify controlling Georgia appellate gross/net interpretation","researcher_record":{"PASS-02 component":"Identify controlling Georgia appellate gross/net interpretation","Status":"Unresolved — held","Claims":"C015","Exact remaining evidence / next investigation":"Locate and read an actual controlling denominator ruling, if one exists, with subsequent-history verification."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Compare current 2025 AG guidance","researcher_record":{"PASS-02 component":"Compare current 2025 AG guidance","Status":"Answered as source comparison; formal reconciliation unresolved","Claims":"C013–C014","Exact remaining evidence / next investigation":"Actual formal clarification or controlling judicial treatment; publication shorthand alone is insufficient."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Explain $400 total versus $400 distribution","researcher_record":{"PASS-02 component":"Explain $400 total versus $400 distribution","Status":"Answered conditionally","Claims":"C016–C017","Exact remaining evidence / next investigation":"Verify the legal denominator and actual ledger components, measurement month and treatment of prior/returned/undistributed funds before transaction use."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Patch earlier form/currentness records","researcher_record":{"PASS-02 component":"Patch earlier form/currentness records","Status":"Partial","Claims":"C004–C005, C018","Exact remaining evidence / next investigation":"Current official codification; fresh form review remains a separate task if needed."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney cases, including Mai/Bush subsequent status","researcher_record":{"PASS-02 component":"Attorney cases, including Mai/Bush subsequent status","Status":"Excluded from this pass — remains held","Claims":"Earlier S_GA-P1-C036","Exact remaining evidence / next investigation":"Separate authorized later case-history investigation."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement, funds, bond, remedies, collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract and broader case-law coverage","researcher_record":{"PASS-02 component":"Agreement, funds, bond, remedies, collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract and broader case-law coverage","Status":"Excluded from this pass — all remain open","Claims":"No acceptance inferred","Exact remaining evidence / next investigation":"Continue the separately required state passes; incidental reading here does not complete those categories."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}