Sued by a Creditor or Hospital on a Defaulted Medical Related Debt?

[TRANSCRIPT] Have you been sued by a creditor or a hospital on a defaulted medical related debt? Thinking about contacting the law firm that sued you to try and work out a payment plan or settlement? Don't. Bad idea, for one, that firm was hired by the creditor or the hospital and they have absolutely no interest in helping you in any way. Plus, there's a strong possibility that the creditor or hospital doesn't have sufficient evidence to prove the case or win the case against you in court.

Fighting debt collectors and creditors is what we do all day, every day. And we're good at it. The consultation is free. Give us a call.


I'm attorney Chuck Douglas we will help you fight back and win.

Are You a Business Owner That’s Been Sued on a Defaulted Business Loan?

[TRANSCRIPT] I'm an attorney, but I'm also a small business owner. Are you a business owner that's been sued by a creditor on a defaulted business loan? Are you considering contacting the law firm that sued you to try and work out a payment plan or a settlement? Don't. Bad idea. For one, that firm was hired by the creditor and they have absolutely no interest in helping you in any way. Plus, there's a strong possibility that the creditor doesn't have sufficient evidence to prove or win the case against you in court. Fighting debt collectors and creditors is what we do all day, every day. And we're good at it. The consultation is free. Give us a call.

I'm attorney Chuck Douglas we will help you fight back and win.

Sued or Harassed by a Creditor?

Atlanta Bankruptcy Attorney vs. Atlanta Debt Relief Attorney - Know Your Rights

[TRANSCRIPT] If you’re being sued or harassed by a creditor, you’re not sure what to do or where to turn, maybe you think bankruptcy's your only option, think again. We handle thirty-five to forty of these kinds of cases per month. We've done thousands of cases since 2011. And we've never lost a case, not one. I'm Attorney Chuck Douglas, we will help fight back and win.

What Can a Debt Relief Attorney Do?

[TRANSCRIPT] I'm commonly asked, what's the difference between what you can do for me and what a bankruptcy lawyer can do for me? And that question really stems from or comes from people not really knowing what their options are when they're sued or harassed by a creditor, they think typically that bankruptcy is the only option, the only alternative to get away from the creditor without just paying it off right, outright or settling the account outright. And so let me explain the difference.

We actually fight the creditors in court. We're litigators. We fight creditors through the court system. When a client or potential client is sued by a creditor, we respond to that lawsuit and we file the appropriate motions to fight that case in court and we win, in front of a judge or jury.There's a toolkit that we use to fight creditors. We use laws that are in place, Federal laws that are in place and State laws that are in place to protect consumers. They are a body of Federal laws, for example, the Fair Debt Collection Practices Act. There's the Fair Credit reporting that. There's the Telephone Collection Practices Act. There is - Georgia has consumer protection laws. The Georgia Fair Business Practice Act. We use that body of law along with other procedural laws that apply to the collection of debt, for example, Statute of Limitations. There's a four or six year Statute of Limitations on those debt. We can use that law. We understand that law and how to use it. and we use that to get you or get consumers out of debt, legally, without bankruptcy.

What Do I Need to Know Before I Hire a Bankruptcy Attorney?

[TRANSCRIPT] I get probably thirty calls a week from potential clients that have been sued by creditors or debt collectors, credit card companies, mortgage companies, auto loan finance companies; any number of creditors--student loan creditors. And one of the most common questions I get is, should I file bankruptcy? At our firm... we don't do bankruptcy work, we actually encourage people to not file bankruptcy because it’s my firm’s belief - that bankruptcy is abused. People file bankruptcy typically because they don't know that they have other options, and so the first big thing that I would recommend that you do before contacting a bankruptcy attorney is; know what your options are. If you're filing because of a lawsuit by a creditor, there are options. Through my firm, we fight debt collectors. We do that through litigation not through bankruptcy so we actually respond to the lawsuit and fight those lawsuits in court and win - so that my clients don't need bankruptcy protection at all.

So first-- again, know what your options are, know if debt collection defense - which is what I do - is an option for you. A lot of my clients that come to me, or potential clients that come to me, are concerned about filing bankruptcy because they either have security clearances or special licenses or for whatever reason-- in their job, a bankruptcy filing would jeopardize their employment. And that's obviously a huge concern. So in a case like that, debt collection defense-- litigating that case is a much better alternative…and I'll tell you there are three reasons why litigating typically is a better alternative.


1.  One is that, the cost of our fees are typically less than the cost of filing bankruptcy. In addition to that we split our fees up over several months and most bankruptcy attorneys don't do that. So the biggest advantage in hiring my firm over a bankruptcy firm is that, it costs less.

2.  The second big reason that you would hire my firm is that we tend-- typically after winning a case - to make it so that you don't owe anything to the creditor. We litigate these cases and we win. We don’t settle but we actually win so that you don't owe a dime to the creditor. And so with most or a lot of bankruptcy filings there still is a payment plan or a restructuring plan that's in place where you still pay back the creditor. So that again the second big benefit is that you may end up owing the creditor nothing.

3.  The third big benefit is the increase, or the boost to your credit score. So again when we win these cases outright, they typically come with either a settlement agreement or a court order by a judge that says that the creditor never had the right to collect the debt in the first place. And therefore, the creditor either agrees to remove the account from your credit report or you can potentially send a copy of that court order to the credit reporting agencies and have that account wiped from your credit report. Therefore, your credit score goes up, not down the way that it does with a bankruptcy filing.

I'm attorney Chuck Douglas we will help you fight back and win.

Sued by Debt Collectors? Know Your Rights!

[TRANSCRIPT] If you have been sued by a creditor or debt collector you are probably thinking; who is this company and is there anything that I can do to defend myself in this case?

What you absolutely don't want to do is try to handle this matter on your own. Please contact us. At least take advantage of the free consultation. Let’s talk through what's going on and what your options are. In that way, you will feel confident in whatever decision you make moving forward.

I'm attorney Chuck Douglas we will help you fight back and win.

What You Should Know Before Filing a Bankruptcy in Georgia?

[TRANSCRIPT] So let’s talk about the differences between our services and hiring a debt relief attorney versus bankruptcy and hiring a bankruptcy attorney.

The first big cost to consider is the cost of attorney’s fees. Our attorney’s fees are generally less than those of the bankruptcy attorney and in addition to that, bankruptcy attorneys typically want their fees all up front whereas we split our fees up over several months to make it affordable to hire us.

3 Things You Need to Know Before Settling a Debt with a Creditor

[TRANSCRIPT] So there are three things you need to know before settling a debt either on the phone or in response to a letter with a creditor. There is a body of federal law called the fair debt collection practices act and it governs what debt collectors can and cannot do. There's also a body of state law here in Georgia The Consumer Protection Law that protects consumers when a creditor is attempting to collect a debt.

The three probably most important things that you should know though is:


1.  That there is a statute of limitations on the collection of debt and for many of my clients and potential clients -- there's a misconception about the statute of limitations… it's either four or six years depending on the type of account that's being collected but it's four or six years from the date of last payment or the date of default, not from the date that you opened the account. Just know that if a creditor attempts to collect a debt past that statute of limitations either four or six years they're actually prevented from collecting; they can no longer legally make the attempts to collect a debt and so you can use that as a defense. Now a judge won't tell you if you've been sued by creditor that the statute of limitations applies; it's up to the consumer to know, or the consumer’s attorney to know that that statute of limitations applies. Again just an important fact to know that there is a statute of limitations on the collection of debt in Georgia.

2.  The second thing is creditors in their attempts to collect from you have to abide by that body of federal law called the fair debt collection practices act as well as state consumer protection laws and one of the big things that they can't do is misrepresent facts. If in their phone calls to you, or in their letters to you, they lie that's against the law - not only can you use it as a defense to get out of paying the debt but you may actually be able to use it in a lawsuit against them. What I typically tell clients is if they say something to you in a phone conversation or in a letter that just doesn't feel right in your gut, chances are, it's against the law and they can't do it. Any misrepresentation in any way saying that you owe more than you really do owe; saying that you owe more interest on an account then you really do owe; saying that they can have you fired or arrested or, you know, anything along those lines is actually not true and they cannot use it in their attempts to collect the debt.

3.  The third thing that is not known by most people, is that there is a time that they can contact you, a window of time between 8 a.m. and 9 p.m. If they call you before 8 a.m. or after 9 p.m. it's against the law and again not only can you use it as a defense to get out of a debt potentially but you can also use it in a claim against that creditor, because they have violated your rights by calling you before 8 a.m. or 9 p.m. Another common one is repetitive or harassing phone calls and just in the numbers of calls. So I have clients that call me all the time that say I got 7 phone calls before 8 o'clock you know from this creditor and that would constitute harassment under the fair debt collection practices act. So again know that you have rights.

I'm attorney Chuck Douglas we will help you fight back and win.

Atlanta Bankruptcy Attorney vs. Atlanta Debt Relief Attorney

[TRANSCRIPT] So let's talk about the differences between our services and hiring a debt relief attorney vs. bankruptcy and hiring a bankruptcy attorney.

1.  The first big cost to consider is the cost of attorney’s fees. Our costs or our attorney’s fees are generally less than those of a bankruptcy attorney and in addition to that bankruptcy attorneys typically want their fees all upfront whereas we split our fees up over several months to make it affordable to hire us.

2.  The second big cost to consider is the impact to your credit score; many people know that bankruptcy completely destroys your credit score whereas the result that we can achieve will not only increase your credit score but in many cases erases the account from your credit report as if you never had the account at all.

3.  The third cost to consider is the impact on your employment. Many employers won't hire you if you have a bankruptcy, others will lose their jobs potentially with a bankruptcy. The outcome that we achieve for our clients has no impact on your employment whatsoever - if anything it clears your credit report so that you are more attractive to potential employers.

I'm attorney Chuck Douglas we will help you fight back and win.

Call Now Button