Georgia Personal Property White Paper
Protecting Consumers Restoring Statutory Balance • Strengthening Free‑Market Integrity

Show your support here: https://forms.gle/mxefwMVBWPYAAbfA7

AS IT RELATES, to the White Paper “Georgia’s Personal Property Lien – A Statutory Analysis and Industry Standard” 2025.11.09-v3 and;

WHEREAS, the White Paper “Georgia’s Personal Property Lien – A Statutory Analysis and Industry Standard” reveals a larger, systemic pattern within the repossession and credit ecosystem, wherein operational practices, forwarding contracts, and scorecard‑driven expectations have drifted away from statutory frameworks designed to protect consumers;

WHEREAS, this misalignment between statutory obligations and contractual demands has created conditions in which consumers, agencies, and lenders may face increased legal exposure, delayed property access, inconsistent processes, and heightened operational risk;

WHEREAS, the issues highlighted in the White Paper extend beyond Georgia, signaling a national need to examine how state personal‑property statutes, storage laws, breach‑of‑peace rules, and contractual pressures intersect—and where they conflict;

WHEREAS, free‑market operational principles function properly only when each party retains the rights granted to them by law, and when no entity—lender, forwarder, vendor, or agent—is coerced into waiving statutory protections or performing services without lawful compensation;

WHEREAS, protecting consumers requires systemic alignment, including proper notice, secure handling of personal property, timely access to essential items, and adherence to chain‑of‑custody and documentation requirements;

WHEREAS, the White Paper’s analysis identifies key areas where national practices have eroded statutory safeguards, thereby creating structural inequities that undermine professionalism, consumer transparency, and industry trust;

WHEREAS, addressing these systemic issues requires collaboration between operators, lenders, forwarders, insurers, trainers, attorneys, regulators, and associations to ensure lawful, fair, and balanced operational standards across the credit and recovery sectors;

NOW, THEREFORE, BE IT RESOLVED THAT:

1) We Acknowledge the Systemic Issues Exposed by the White Paper

We recognize the importance of the White Paper in identifying national patterns of contractual overreach, statutory conflict, operational pressure, and consumer‑risk scenarios.

2) We Support Realigning the Industry With Statutory Requirements

We affirm that legal compliance must take precedence over contractual expectations, scorecards, or market‑dominant practices.

3) We Support Consumer‑Centered Property Protocols

We endorse transparent, timely, and secure handling of personal property—consistent with statutory intent and operational reality.

4) We Support Free‑Market Operational Rights

We support the right of agencies, vendors, insurers, and all stakeholders to operate without coercive pressures that force them to violate, waive, or ignore statutory protections.

5) We Support National Research Into Systemic Industry Issues

We encourage similar analysis in other states and support the development of neutral, research‑based standards to address systemic risks, legal exposure, and industry misalignment.

6) We Endorse the Principles of the White Paper

We affirm that the White Paper contributes meaningful, objective clarity and should serve as a reference point for industry discussion, reform efforts, and consumer‑protection alignment.

SHOW YOUR SUPPORT:
Show your support here: https://forms.gle/mxefwMVBWPYAAbfA7

A member of one of the nation’s largest captive auto lenders said it best at the SE Regional Repo Conference this year (2025):
“When you speak with one voice, we have to listen.”

Use the form above to ensure every voice counts.
Sign as an individual, signal support with your company, and/or stand together as a trade group or association. All stake holders welcome – fowarders, lenders, repossession companies, consumer advocates, attorneys, insurance companies, etc.

Our industry is in CRISIS!