Debt Freedom GA
Call (404) 913-6992

Georgia Debt Relief Law Firm

Stop collection calls, lawsuits, and garnishments — free debt settlement or bankruptcy attorney consult

We handle debt settlement, Chapter 7 and Chapter 13 bankruptcies.

Call (404) 913-6992

Free consultation · No obligation

Google reviews

Free consultation

Our team will schedule your free consult — phone, video, or in-office.

(404) 913-6992 · Free consultation · No obligation

What our clients are saying

“This company is absolutely EXCELLENT! The process was very smooth and quick. Brandon and Brittany were professional and promptly replied to all my questions. They're truly the best! I would highly recommend DEBT FREEDOM to anyone.”

S

“They were the most honest and helpful people I’ve ever dealt with. They were with me throughout everything and walked me through every step. I would definitely recommend them to anyone needing help!”

AMANDA TRUMAN

“Brandon and his staff were a blessing and provided excellent customer service when helping me file for chapter 7 bankruptcy. They made it so easy for me after discussing my situation and he put my mind at ease. It was an awesome experience and a great way to start the new year debt free. I would definitely recommend them to anyone. Keep up the GREAT work!”

Kenny Brown

Read more reviews

Johns Creek|Monroe|Snellville

Mon–Fri 9am–5pm · Phone and Video consults available

Professional memberships

  • National Association of Consumer Advocates member
  • American Bankruptcy Institute member
  • National Association of Consumer Bankruptcy Attorneys member

Settlement vs Chapter 7 vs Chapter 13

We are a full-service debt relief law firm offering all 3 options. The snapshot below is the basic pros and cons and not a substitute for a consultation.

Debt Settlement

Pros

  • May resolve eligible debt for less than the full balance
  • Many eligible debt types — credit cards, personal loans, medical, private student loans, business
  • No minimum or maximum
  • We negotiate settlements for you and handle necessary court filings
  • Lump-sum or payment plan options
  • An option when bankruptcy isn't the best fit

Cons

  • Creditors are not required to accept
  • Negatively affects credit score
  • Reduced balances may have tax consequences
  • Collections and suits can continue until a deal is reached
  • You need a way to fund the settlement
  • Not every debt can be settled (for example, federal student loans)
Learn more

Chapter 7

Pros

  • Wipe out virtually all unsecured debt if you qualify
  • Keep your house, car, and stuff in most cases
  • Stop all collections activity – including lawsuits, garnishments, and repossession
  • A path to begin rebuilding credit
  • Relief so you can move on

Cons

  • Must qualify — assets and income have to be low enough
  • May not save a house or car if you are already behind
  • Possible credit-score drop if your score is currently high
  • Some debts are not dischargeable — domestic support, student loans, recent tax debt
Learn more

Chapter 13

Pros

  • Stop all collections activity – including lawsuits and garnishments
  • Stops foreclosure and repossession and gives a path to keep your home and car
  • One easy payment, and you may pay only a fraction of unsecured balances
  • Unsecured debt in the plan is paid at 0% interest
  • Possible lower car interest or cram-down where the facts allow
  • Helps to rebuild your credit score

Cons

  • You must make plan payments for 3-5 years before you are eligible for discharge
  • If payments stop, the case can be dismissed
  • Court approval is required for major house or car deals while the case is active
Learn more

Student loans are generally not dischargeable in bankruptcy. Private student loans can be settled, but federal student loans cannot. For federal student loans, start at studentaid.gov. Nothing here is a guarantee of a result or that a creditor will settle.

Call (404) 913-6992

How it works

Call for a free consult. Once you retain us, we do all the work. You move forward.

  1. Step 1

    Call for a free consultation

    Call (404) 913-6992. We go over your situation and your options.

    • Phone
    • Video
    • In-office

  2. Step 2

    Retain us

    If you decide to move forward, retain us and provide the few documents we need.

  3. Step 3

    We do the work

    We handle everything — the legal work and the creditor communication. The pressure is off you.

  4. Step 4

    Move on to freedom

    Once your case is complete, you have achieved Debt Freedom. You move forward without the debt weight on your shoulders.

Call (404) 913-6992

What bankruptcy can do for you

Bankruptcy is a powerful legal tool when it fits. We also handle debt settlement when that is the better path — and we will tell you if it is.

Freedom from Debt

A Chapter 7 bankruptcy can completely zero out all of your credit cards, medical bills, personal loans, payday loans, and most other types of unsecured debt, even some past tax debt. A Chapter 13 bankruptcy consolidates your debts into one easy monthly payment and you may pay only a fraction of what you owe.

Freedom from Debt Collector Harassment

Filing bankruptcy stops all collection activity against you, including phone calls, text messages, e-mails, and regular mail.

Freedom from Bad Credit

In most cases, bankruptcy will actually help your credit. Many clients see an improvement of over 100 points within 1 year after filing bankruptcy. Results vary — we cannot promise a particular score for your case.

Freedom from Foreclosure

Filing bankruptcy stops any pending foreclosure on your home, even up to the last minute.

Freedom from Repossession

Filing bankruptcy stops a repossession and can even get your car back if they already took it.

Freedom from Garnishment

Filing bankruptcy stops garnishments and can even recover money already garnished.

Keep Your Car & Your House & Your Stuff

You almost always have the option to save both your car and your house in bankruptcy. Don’t fall for the misconception that you will automatically lose your house if you file for bankruptcy. For most people, you will be able to keep ALL of your assets when you file bankruptcy.

About our firm

A specialty debt relief firm

Debt Freedom GA is a specialty firm, focusing only on bankruptcy and debt settlement. We are not a bankruptcy or debt settlement mill. Instead, you’ll receive individual, personalized attention from your attorney, which is what you deserve during this difficult time. We also care about what is best for you. We won’t ever try to force you into a particular solution. We give you all the options and let you decide. Sometimes bankruptcy is not the best option; we’ll let you know if that’s the case for you.

Learn more about each topic

Debt SettlementChapter 7Chapter 13BusinessPrivate student loansCredit cardsPersonal loansLearning LibraryAreas we serveForeclosureRepossessionWage garnishment

Examples of settlements we have negotiated

We have had great success reducing debts significantly, saving our clients tens of thousands and even hundreds of thousands of dollars in some cases. Every creditor and situation is different, and no particular settlement result can be guaranteed. These are examples from our work, not promises for your case.

  • Debt type:
    Judgment
    Starting balance
    $607,135.90
    Settlement
    $50,000
    Percentage reduced
    91.8%
  • Debt type:
    Business judgment
    Starting balance
    $312,555.47
    Settlement
    $80,000
    Percentage reduced
    74.4%
  • Debt type:
    Private student loan
    Starting balance
    $268,790.93
    Settlement
    $120,950
    Percentage reduced
    55.0%
  • Debt type:
    Credit card
    Starting balance
    $200,433.16
    Settlement
    $65,000
    Percentage reduced
    67.6%
  • Debt type:
    Equipment lawsuit
    Starting balance
    $118,877.12
    Settlement
    $35,000
    Percentage reduced
    70.6%
  • Debt type:
    Loan
    Starting balance
    $72,800
    Settlement
    $22,500
    Percentage reduced
    69.1%

See more on debt settlement and results. Or call (404) 913-6992.

Freedom from debt — and Total Freedom

The team here at Debt Freedom GA can help you achieve freedom from debt, but Total Freedom in all areas of your life comes only through faith in Jesus Christ.

Learn more about Total Freedom

Common questions about debt relief in Georgia

What is the difference between debt settlement and bankruptcy?

Debt settlement means negotiating with creditors to resolve eligible debts for less than the full balance, with lump-sum or payment plans. Bankruptcy is a federal court process — Chapter 7 can wipe out virtually all unsecured debts if you qualify; Chapter 13 creates a court-supervised repayment plan that stops foreclosure and repossession. We handle debt settlement, Chapter 7, and Chapter 13. Call (404) 913-6992 for a free consult.

Can I keep my house and car?

Yes. Don't fall for the misconception that you will automatically lose your house if you file for bankruptcy. For most people, you will be able to keep all your assets. If you are behind on payments, Chapter 13 may be the better tool than Chapter 7. Settlement does not automatically stop foreclosure or repossession the way a bankruptcy filing can.

Do you only do bankruptcy?

No. We are a full-service debt relief firm. In addition to Chapter 7 and Chapter 13, we handle debt settlement.

What kinds of debt can you settle?

Our team can negotiate all types of debt — including credit card debt, personal loan debt, medical debt, private student loan debt, and business debt. There is no minimum or maximum amount of debt. Federal student loans are different — see our student loan page and studentaid.gov. Private student loans can be settled, and we routinely get great discounts off the balance you owe.

How do I get started?

Call (404) 913-6992 today to schedule a free, confidential, no-obligation consultation. Phone, video, or in-office at our Johns Creek, Monroe, or Snellville locations.

Will you push me into one option?

No. We won't ever try to force you into a particular solution. We give you all the options and let you decide. Sometimes bankruptcy is best, sometimes debt settlement; we'll let you know based upon your particular situation.

Take the first step toward debt freedom

You do not have to face overwhelming debt or aggressive creditors alone. Call for a free, confidential, no-obligation consultation. Phone, video, or in-office at our Johns Creek, Monroe, or Snellville locations.

Call (404) 913-6992