You don’t have to be bullied by debt buyers. Get insider legal defense from a former collection industry attorney. We protect Georgia consumers from lawsuits, wage garnishment, and illegal harassment.
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Sound Familiar?
Debt collectors are counting on you to do nothing. If any of these situations sound familiar, you need a debt defense attorney — now.
If a collector wins a judgment against you, they can legally take money directly from your paycheck. You have a limited window to stop it.
Debt buyers like MCM purchase old debts for pennies on the dollar — and their evidence is often weak. Don't let a default judgment destroy you.
Harassing calls to your home, your workplace, or your family aren't just annoying — they may be illegal under federal law. We can make them stop and make them pay.
The Insider Advantage
Our founder, Christopher J. Diwan, used to be the senior litigator for one of the largest collection law firms in the nation. He didn’t just study these firms — he built their cases.
We know exactly how collection agencies operate. We know where their evidence is weak, where their chain-of-custody breaks down, and how they pressure consumers into paying debts they may not even legally owe. Now we use that insider knowledge to aggressively defend you
How We Help You
Litigation Defense
Sued by an MCM collection agency or another debt buyer? Do not ignore it — ignoring a lawsuit allows them to garnish your wages automatically. As your debt collection lawyer, we demand strict proof of the debt, expose gaps in their evidence, and fight to get the lawsuit dismissed entirely.
FDCPA Violations
Are MCM bill collectors threatening you, calling your workplace, or harassing your family? They are breaking the law. We use the Fair Debt Collection Practices Act (FDCPA) to sue abusive collectors on your behalf. We make them pay you — often including attorney’s fees, so you owe us nothing out of pocket.
Debt Resolution
Need a real way out of overwhelming credit card debt? We offer legally sound debt management and loan settlement strategies. Our team negotiates directly with creditors to drastically reduce your balance — often settling for a fraction of what you owe — and keeping you out of bankruptcy court.
Don’t Be Fooled
Out-of-state debt relief services cannot do what a licensed Georgia law firm can. Here’s the difference.
| WHAT YOU NEED | DEBT RELIEF COMPANIES | ✓ DIWAN LAW |
|---|---|---|
| COURTROOM DEFENSE IN GEORGIA | Cannot appear in GA courts | Licensed to appear in all GA courts |
| STOP A WAGE GARNISHMENT | No legal authority to stop garnishment | We file immediately to halt garnishment |
| ATTORNEY-CLIENT PRIVILEGE | Not a law firm — no privilege | Full attorney-client confidentiality |
| FDCPA LAWSUIT AGAINST COLLECTORS | Cannot file federal lawsuits | We sue abusive collectors for you |
| LOCAL KNOWLEDGE OF GA COURTS | Out-of-state, no local presence | Rooted in Georgia — we know the courts |
| REGULATORY OVERSIGHT | Loosely regulated companies | State Bar of Georgia licensed & accountable |
The Insider Advantage
The debt collection industry counts on you being confused and scared. Here are the answers you need — fast.
Call a lawyer immediately. In Georgia, you only have 30 days to respond to a debt collection lawsuit before a default judgment is entered against you automatically. A default judgment means they win without having to prove anything — and they can then garnish your wages or freeze your bank accounts.
Yes — but only after they win a judgment in court. A judgment gives them the legal power to garnish your wages and levy your bank accounts. This is exactly why you must fight the lawsuit before a judgment is entered. We fight the lawsuit so it never gets to that point.
Yes. Our debt negotiation tactics routinely settle accounts for a fraction of the total balance. Creditors often prefer a guaranteed partial payment over the cost and uncertainty of ongoing litigation — especially when faced with an aggressive legal defense from a former collection industry insider.
The Fair Debt Collection Practices Act is a federal law that limits how collectors can contact you. It prohibits calls before 8am or after 9pm, calls to your workplace if you’ve said not to, harassment, threats, and false statements. When collectors break these rules, you can sue them — and we help you do exactly that, often at no out-of-pocket cost to you.
Possibly not — or they may be unable to legally prove it. Debt buyers purchase portfolios of old debts, often without complete documentation. We demand strict proof: the original signed agreement, a clear chain of ownership, and proper calculation of the amount claimed. Frequently, they cannot produce it. That’s exactly the kind of weakness our founder learned to exploit — and now uses to defend you.
Your initial case review is completely free. For FDCPA harassment cases, we often take cases on contingency — meaning you pay nothing unless we win. For lawsuit defense and settlement cases, we offer transparent, flat-fee arrangements. Call us to discuss your specific situation with no obligation.