---
title: "Consumer Debt Litigation"
url: "https://legal.ge/en/service/dispute-resolution-and-litigation-en/consumer-debt-litigation-en"
field: "Dispute Resolution & Litigation"
description: "Consumer debt defence: void terms, unfair practices and complaint rights under consumer law. Legal.ge."
reviewed: "2026-07-09"
updated: "2026-10-15"
publisher: "legal.ge"
---

# Consumer Debt Litigation

> Source: legal.ge, https://legal.ge/en/service/dispute-resolution-and-litigation-en/consumer-debt-litigation-en

## The Consumer as Defendant — the Protective Framework

When a trader brings a debt-collection claim against a consumer, the Law on Consumer Protection provides special instruments of defence. The core of these instruments is the voidness of unfair standard terms: an unfair standard term is void, notwithstanding its presence in the contract, where it contradicts the principles of trust and good faith and causes an unjustified imbalance of the rights and obligations provided by the contract to the consumer's detriment, including through its ambiguity. In the assessment, the subject matter of the contract, the circumstances existing at its conclusion and the other terms are taken into account — but not the essence of the main subject matter or the adequacy of the price.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/dispute-resolution-and-litigation-en/consumer-debt-litigation-en

### Which terms are void?

Exclusion of liability, restriction of claims, unilateral amendment, automatic prolongation, vague and unread terms.

### Where to apply?

To the agency or regulator — keeping the right to court, arbitration and mediation.

### What is an unfair practice?

A misleading or aggressive practice altering the consumer's economic behaviour.

### Do exceptions exist?

Yes — for financial services and exchange-based prices.