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How to send a HOA delinquency notice in Georgia

In Georgia, a HOA delinquency notice must be sent by certified mail, return receipt requested (O.C.G.A. §44-3-232(a), (c), (f) (SB 406, 2026)). The recipient has 30 days from the mailing date.

Last reviewed September 21, 2026 · Business research, not legal advice.
RequirementGeorgia HOA delinquency notice
Delivery methodCertified mail, return receipt requested (required) — Cortul also sends a First-Class copy.
Notice period30 days (calendar days)
Deemed receivedWhen it is mailed
Notice must include
  • The assessments due, the authorized late charges and the interest rate, by certified mail or statutory overnight delivery, return receipt requested, to the lot and any other address the owner designated in writing, at least 30 days before foreclosure (§44-3-232(c))
  • The outstanding fines or fees, with 30 days from receipt to pay before attorney's fees may be sought (§44-3-232(f), from July 1, 2026)
If refused or unclaimedRefused mail is treated as received; unclaimed mail gets a First-Class copy as the additional step courts look for.
Statutes

This notice follows the rules in force before January 1, 2027. If it isn't mailed before then, Cortul won't mail it; you can cancel it for a full refund and start it again under the new rules.

Step by step

  1. Write the notice with every required element (the Georgia template in Cortul already has them).
  2. Verify the recipient's mailing address with USPS.
  3. Send it by certified mail with return receipt, plus a First-Class copy.
  4. Keep the acceptance record, tracking history and the signed return receipt.
  5. Calendar the deadline from the mailing date.