Consumer Protection

brighter financial future

Trusted Consumer Protection Attorney in Atlanta

Mounting debt can quickly become overwhelming, affecting every aspect of your life. At Reidy Law Firm LLC, we understand the challenges individuals and families face when dealing with financial difficulties. Our dedicated Atlanta consumer protection lawyer is here to be your advocate, providing unwavering support and expert guidance to help you overcome debt and secure a brighter financial future. Whether you are dealing with homeowners association assessments, credit card debt, medical bills, or other financial burdens, we have the experience and commitment to develop tailored solutions for your unique circumstances. Our consumer protection services extend to residents in Cherokee, Clayton, Cobb, DeKalb, Douglas, Forsyth, Fulton, Gwinnett, Paulding, Rockdale, and all of North Georgia.

Contact Reidy Law Firm, LLC, online or by calling (678) 993-9554 to schedule a free case evaluation.

stressful and challenging

The Power of Bankruptcy

Struggling with overwhelming debt and aggressive creditors can be a stressful and challenging experience. However, there is a powerful tool that can protect your financial interests and provide relief from unmanageable debt—bankruptcy. Our seasoned consumer protection lawyer is well-versed in consumer bankruptcy laws, and we are here to guide you through two common options: Chapter 7 and Chapter 13 bankruptcy.

Let us provide you with a basic overview of each option to help you understand their suitability for your needs:

Chapter 7 Bankruptcy

If you are experiencing significant financial hardship and have limited income, Chapter 7 bankruptcy might be the ideal solution for you. This form of bankruptcy involves the liquidation of non-exempt assets in exchange for the discharge of unsecured debts, such as credit card debt and medical bills.

Notably, homeowners association assessments that were missed before the bankruptcy filing can also be discharged, providing significant relief for homeowners struggling to keep up with payments.

Chapter 13 Bankruptcy

For those with a reliable income but who still find it challenging to keep up with HOA dues and other debts, Chapter 13 bankruptcy may be a more suitable option. This form of bankruptcy allows for a manageable repayment plan, giving you the opportunity to catch up on missed payments over a specified period.

By working closely with our Atlanta consumer protection attorney, you can find out if this is the right bankruptcy solution for your situation.

The Reidy Law Firm, LLC, Difference

At Reidy Law Firm, LLC, we take a personalized and strategic approach to consumer protection. We recognize that each individual’s financial circumstances are unique, and that’s why we strive to tailor our solutions to meet your specific needs. Whether you’re considering bankruptcy or debt negotiation, our hands-on attorney will work closely with you every step of the way, ensuring you are well-informed and empowered to make the best decisions for your situation.

How Bankruptcy Can Help with HOA Issues

Receiving calls and letters from your homeowners association demanding payment can be stressful and intimidating. That’s why, if you foresee difficulty making payments, seek debt relief assistance from our consumer protection attorney right away to avoid more severe consequences.

Failure to address outstanding HOA dues may lead to your HOA filing a collections lawsuit against you, which they are likely to win. This could result in wage garnishment and even the filing of a lien against your property, putting your home at risk of foreclosure. However, filing for bankruptcy can put an end to collection actions and provide a fresh start by discharging certain unsecured debts, including credit card and medical debt.

Debt Negotiation: An Alternative Path

While bankruptcy is a powerful tool, it may not always be the most suitable option for everyone. Our Atlanta consumer protection lawyer understands that each case is unique, and we offer alternative solutions such as debt negotiation. Negotiating with creditors can be a viable option if you are unable to file for bankruptcy or wish to avoid it for personal reasons.

To better understand debt negotiation, let’s address some common questions:

What is Debt Negotiation?

Debt negotiation, also known as debt settlement or debt resolution, involves negotiating with your creditors to reach an agreement that allows you to settle your outstanding debts for less than the total amount owed. This process can be particularly beneficial when your financial situation prevents you from meeting your debt obligations in full. By engaging in negotiation, you demonstrate your commitment to resolving your debts while also providing creditors with an opportunity to recover a portion of what is owed to them.

What Makes Debt Negotiation Appealing for Creditors?

Creditors may be willing to engage in negotiations because they often stand to recover more through settlement than they would if you were to file for bankruptcy. In a bankruptcy scenario, some debts may be discharged entirely, leaving creditors with little to no chance of recovering their full amounts. On the other hand, debt negotiation allows creditors to recoup a partial sum promptly, incentivizing them to consider settlement offers.

How Does the Negotiation Process Work?

When you opt for debt negotiation, our experienced consumer protection attorney will serve as your dedicated advocate throughout the negotiation process. We will initiate communications with your creditors, presenting your case and proposing a lump sum payment that is less than the total debt owed. This lump sum, once accepted, becomes the settlement amount, and in exchange, the creditor agrees to forgive the remaining debt.

What are the Potential Risks of Debt Negotiation?

While debt negotiation can yield positive results, it's essential to be aware of the potential risks involved. Creditors may reject settlement offers, which could lead to further collection actions. Additionally, interest and penalties may continue to accrue during the negotiation process, potentially leaving you with more debt than when you started. Our team will be transparent and provide honest assessments of the viability of debt negotiation in your particular case.

"Dennis was great. I cannot say it enough times how great he was. He took care of my issue in record time. Truly impressed"

– Jerry

Embrace Your Path to Financial Freedom Today

At Reidy Law Firm, LLC, we are dedicated to protecting your rights, defeating debt, and securing your financial freedom. Whether you choose bankruptcy or debt negotiation, our tailored approach will help you overcome your unique challenges. Don’t let debt control your life any longer. Take action today by scheduling a free case evaluation with our Atlanta consumer protection attorney.

We offer after-hours appointments and flexible payment options, ensuring access to top-tier legal representation for all. Call us at (678) 993-9554 or contact us online to take the first step towards a debt-free future.

Why Clients Choose Us

Support from Start to Finish

Unlike larger firms, we are able to give you personalized attention and service. Feel confident in a firm that cares about getting the best outcome for you.

Flexible Options

We understand that you are going through a difficult time. Flexible payment options and appointments are available for your convenience.

Experience Where it Counts

Knowing you have an experienced attorney allows you to focus on other things, confident that we will see to the details.

Free, No Obligation Consultation

Find out how we can help you with a free consultation. We are available 24/7:
(678) 993-9554

Get In Touch Today

Learn about your legal options with a free consultation.