Personal Property Foreclosures

Personal property foreclosure actions may be filed on "movable" items such as motor vehicles and household items, and they must be based on a security agreement, contract retaining title, vehicle title, commercial contract, or lease agreement.

No money judgments are given, only an order to return the property. Neither the value of property nor the amount of debt may exceed $15,000, or else the action would require filing in the Superior Court of White County. The property must be located in White County, or the defendant must reside in this County.

The defendant has within 7 days (of service) to file an answer; however, if defendant fails to answer within 7 days, the law gives them an additional 7 days to answer. If the defendant fails to file an answer within 14 days from the date he/she was served, the plaintiff may request from the Court a Writ of Possession for the property in question.

Once the Writ is issued by our Court, you will contact the White County Sheriff's Office to arrange a date and time to execute the Order and take possession of the property. Please see O.C.G.A. 44-14-230 thru 44-14-303 for more detailed information.