Georgia foreclosure is primarily:

Judicial foreclosure requires the lender to file a lawsuit and obtain a court judgment before selling the property, which is the primary method in states like Florida and New York — not Georgia. While Georgia does allow judicial foreclosure in rare circumstances, it is not the primary or default method used by lenders.

Strict foreclosure is an archaic remedy in which the lender simply takes title to the property upon default with no public sale, and it is not recognized as a standard foreclosure method in Georgia or most modern U.S. states. It was largely abolished because it gave lenders a windfall and provided no opportunity for junior lienholders or the borrower to recover any equity.

Georgia does not use both methods equally — non-judicial foreclosure is overwhelmingly the dominant method because Georgia security deeds routinely include power of sale clauses. Saying they are used equally misrepresents Georgia's strongly lender-friendly foreclosure framework.