A collection law firm has filed suit against you on behalf of a creditor or debt buyer. Do nothing and the court can enter a default judgment — opening the door to wage garnishment, a frozen bank account and a lien on your property.
Suit filed past Georgia's 6-year statute of limitations; dismissed with prejudice.
Collector failed to produce chain-of-title assignments; debt fully erased.
Negotiated lump-sum settlement with zero further liability or tax reporting.
Illegal robocalls; debt dismissed and $1,000 paid to the client.
Credit card deficiency resolved by consent agreement before trial.
Structured a low monthly payout on a defaulted personal loan claim.
Lack of personal service and insufficient proof of account ownership.
Settled after answer filing and formal discovery requests.
Trade line deleted from Equifax, Experian and TransUnion.
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Brina Ward“I highly recommend Diwan Law to anyone who is struggling with debt and has been sued.”
Eunice HanielThe most common choice — and the most expensive one.
Filing your own Answer is possible, but the traps are procedural.
An attorney who knows how the collection industry builds its files.
Tap any stage to see the detail.
Entered without the plaintiff ever proving the debt in court.
The creditor applies to the court to take money directly from your pay.
Georgia follows the federal formula — up to 25%% of disposable earnings.
Funds frozen and swept from your account, often with no advance notice.
Recorded against real property, clouding title and blocking a sale.
The judgment follows you through housing, lending and some employment checks.
Filed before your deadline, with every affirmative defense preserved — including the statute of limitations.
We require the original agreement, account-level statements and the full chain of title.
If they cannot prove they legally own your account, they cannot lawfully collect on it.
Dismissal, a negotiated settlement, or a motion to vacate an existing judgment.
Based on your answers, there are issues worth raising in an Answer. A free review will confirm which defenses apply to your case.
Get My Free Case ReviewThe case review is free. Fees depend on the case and are explained in full before you commit. Court costs and litigation expenses may remain your responsibility depending on the fee arrangement.
In most matters your attorney handles the filings and appearances. Many cases resolve without you attending a hearing.
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 it.
You can still have a real defense. The question is whether this specific plaintiff can prove it owns the account and document the amount claimed.
After a judgment, yes — up to 25% of disposable earnings under the federal formula. Georgia’s exemptions are among the weakest in the country, which is why the Answer matters.
Generally six years on written contracts and four on open accounts. It is an affirmative defense, which means it is waived if you do not raise it in your Answer.
Collection firms often file across multiple states. What matters is whether the case was properly filed and served in the correct Georgia court.
Generally within 30 days of service. The earlier we see the complaint, the more options remain open.