Short answer
A court may reduce a disproportionately high penalty in light of the circumstances. Signing does not exclude this power, but reduction is neither automatic nor a predetermined percentage.
Practical example
A penalty for a small debt has multiplied. The breach, period and specific circumstances matter.
What to do
Calculate principal, interest and penalty separately. Gather payments and proportionality arguments. Check special loan caps separately: exceeding a cap and judicial proportionality assessment are distinct issues.
Legal basis
Georgian Civil Code — Articles 420, 625. Checked on 28 October 2026. The outcome depends on the contract, facts and evidence.
YURFIRMA can review your documents and help prepare the appropriate demand or agreement. Contact us.
This is general information and does not replace a legal assessment of your specific case. The current law and the relevant facts are checked again when you seek advice.