Legal Question in Credit and Debt Law in Georgia

Where is the "fraud by deception?" You are entitled to one recovery. You can assert as many claims as you can make out, but you only get one recovery. Fraud is hard to prove. You have to show that he intended this result. I would stick with breach of the note. Payment was owed, he did not send it, you demanded that he comply and he did not respond. You get the same judgment as with fraud. And you can garnish his wages after the judgment if he is not self-employed. As for him not paying back others, all this shows is that he is a perennial deadbeat - it does not necessarily prove fraud without more.

You can sue him on the note.

As you have found, it is always extremely foolish to loan money to people (and even more so to loan money to people who haven't paid their creditors.) Unfortunately because you screwed up by not seeing a lawyer and at least getting a recorded lien on the car, the best you can do is to sue him, and since he's a deadbeat, you could end up with a piece of paper and no money.

There is no fraud. He's just a deadbeat. If you win your case, maybe you'll get lucky and do a garnishment.