Diwan Law has defended Georgia consumers against debt buyers and collection agencies for 16 years. Free case review — no obligation.
Debt buyers purchase accounts for pennies on the dollar and file suit in volume, often without the documents needed to prove the claim.
High-volume debt buyers and large agencies can file over 1,000 suits per year in Georgia alone. Volume is their business model — and volume means corners get cut on documentation.
Most people assume that because they recognise the debt, the case is over. It isn’t. A debt buyer suing you must prove it legally owns your account and can document the exact amount claimed.
When an account has been sold two or three times, the paperwork frequently doesn’t survive the journey. That is the gap we work in.
See If Your Case Has GapsThe FDCPA sets hard limits on collector conduct. Select anything that has happened to you.
You have selected 0 of 8. Any one of these may give you a counterclaim — and a counterclaim can turn a case against you into a case against them.
Check My Rights — FreeIn Georgia you generally have 30 days from the date you were served to file a written Answer. Miss it and the court can enter a default judgment — meaning they win without ever proving the debt.
If you were never properly served, or the judgment was entered without valid evidence, it may be possible to move to set it aside. Even where it stands, garnishment and bank levies can often be challenged or negotiated down.
Chris dedicates his practice exclusively to consumer rights, debt collection defense and judgment collection defense. What makes him uniquely equipped for your case is his background — he used to work for the other side.
Chris pursues collectors who violate federal consumer protection law under the FDCPA, the Georgia Fair Business Practices Act and the FCRA — and has litigated complex claims in both Federal and State courts.
“Chris is amazing! He was able to get my debt lowered to pennies on the dollar!”
Nathaniel Owens“Mr Christopher Diwan is exceptional. He won my case and made everything easy to understand.”
Ashley Bonucci“Very professional and helped save me money and case was dismissed.”
Kayode MartinTell us who is suing you and we will tell you, honestly, whether you have something worth fighting. No obligation, no pressure.
The case review is free. Fees depend on the case and are discussed openly before you commit to anything. Court costs and litigation expenses may remain your responsibility depending on the fee arrangement.
The court can enter a default judgment. That opens the door to wage garnishment of up to 25% of disposable earnings, bank levies and property liens in Georgia.
In most cases your attorney handles the filings and appearances. Many matters resolve without you setting foot in a courtroom.
You can still have a strong defense. The question is not only whether a debt existed, but whether this particular plaintiff can prove it owns the account and can document the amount claimed.
Depending on how you were served and what evidence was presented, it may be possible to move to set the judgment aside, or to challenge the garnishment that follows.
Generally 30 days from the date of service in Georgia. The sooner we see the complaint, the more options remain available.