The prohibitions set forth in Code Section 16-9-121 shall not apply to:

(1) The lawful obtaining of credit information in the course of a bona fide consumer or commercial transaction;

(2) The lawful, good faith exercise of a security interest or a right to offset by a creditor or a financial institution; or

(3) The lawful, good faith compliance by any party when required by any warrant, levy, garnishment, attachment, court order, or other judicial or administrative order, decree, or directive.

These exemptions will not apply to a person intending to further a scheme to violate Code Section 16-9-121.