A BILL to be entitled an Act to create the "Protecting Georgia Homeowners Act of 2011"; to amend Article 7 of Chapter 14 of Title 44 of the Official Code of Georgia Annotated, relating to foreclosure, so as to provide for legislative findings and intent; to provide for homeowner relief from unfair practices related to foreclosure and foreclosure rescue schemes; to provide for monetary penalties; to provide for related matters; to provide for an effective date and applicability; to repeal conflicting laws; and for other purposes.