THE CLEMENTS LAW GROUP, LLC.

(404) 212 - 1928
REPO/CREDIT CARD LAWSUITS
Here is a brief video explaining how we can help you with debt collection lawsuits.
You may have fallen on hard times and had your car repossessed.  Later on you received the shock of your life when the sheriff or process server delivered a copy of a lawsuit to your home or job.  That is not only humiliating, but it is scary!

Many people are so scared when this happens that they panic and do not file an answer the case.  Others do something just as bad and try to file their own Answer.  Sadly, these people are most likely going to lose their case.  Failing to answer results in a default.  Answering and saying the wrong thing can result in a judgment on the pleadings because they have admitted owing the money.  Others manage to file a sufficient answer and go to court and either lose at trial or agree to pay.  They do not know that these cases can be won.

Know this, at my firm, we give you peace of mind.  Don't worry, call us.

404-212-1928
TOOLS TO DEFEAT A REPOSSESSION CASE

Creditors must send you a certified letter within 10 days of the repossession notifying you of your right to redeem the car and to request a  public sale.

CLAIM YOUR LETTER.  Not claiming the letter is not a defense.

DECIDE do you want a public auction or private sale.  At a public auction you can go and see how the sale is conducted or get bidders to go.

MAKE NOTES of all communication from the company and of any sale.

CREDIT CARD LAWSUITS

We fight cases filed by collection agencies.  Better yet, we beat them.

There are defenses to these cases, but you need to hire an experienced lawyer that will raise the technical defenses to win.  Many times, the debt collector that is suing you does not have the evidence to prove that they have the right to sue you or they do not have the evidence needed to win their case.

I have watched many people go into court and try to fight these cases themselves.  Most times they end up paying money on cases that they could have won, if they had hired a lawyer.  Not fighting guarantees a loss.  Call us if you want a fighting chance.

Lots of people worry about legal fees.  Our fees are reasonable.  Our client's save money by hiring us.  Can you afford to have your wages garnished or you bank account garnished after a judgment?  Can you afford to pay them the full amount that they want?  Call us for a free phone consultation at 404-212-1928. 
SOME EXAMPLES OF OUR VICTORIES

Here are some examples of cases that we have handled.  We have so many more, but due to confidentiality terms, we cannot disclose them.  Just know this, the debt collectors lost so bad that they wanted to keep it confidential.

REPOSSESSION CASES

Claim for nearly 20K resolved.

Our client was a divorcee who's ex spouse was supposed to pay for the car.  They defaulted and the car was repossessed.  Our client came to us facing summary judgment and a loss for $17,000.00 for the car plus attorney's fees and interest which would have been over $20k.  We filed an amended answer to the complaint, filed a response to summary judgment, moved to strike affidavits, and asked for a hearing.  As a result of our aggressive action, the case settled for an amount so small that our client wrote a check to cover the whole thing.  She saved THOUSANDS.

Repossession suit for over 35K dismissed.

Due to the economy, our client voluntarily turned in their vehicles.  The company sold them at auction and came after them for over $35k.  We filed an answer and raised technical defenses and filed discovery motions.  We were able to expose serious flaws by the other side and got them to dismiss the case and pay some of our client's attorney's fees.

CREDIT CARD LAWSUITS.

83 year old retiree wins dismissal :  Client was on disability and unable to work.  He was sued by a debt buyer  for nearly 9k.  He was referred to us by a member of his church.  We filed his answer and told the debt buyer that we were prepared for trial.  they were not prepared for us, they dismissed their case.

64 year old gets dismissal:  Our client was a faitthful church going woman who lived alone and worked as a lunch lady.  A debt buyer sued her thousands of dollars. We filed an answer and took them to task on filing such an old case.  We challengeed them on their ability to prove they had the right to sue or had teh documentaion needed. Case dismissed.

Single mother gets help beating debt buyer:  Our client was sued over a past due debt.  She was trying to buy a house, but the debt and lawsuit was hurting her.  We filed an answer and the law firm dismissed soon thereafter.

Older couple beats bank over closed account:  Our clients came to us after they were contacted over a closed bank account.  The bank no longer existed, but they had sold the old debts to a debt buyer.  These clients were certain that they had closed the account without a negative balance, but due to serious health issues, they were unable to fight this matter.  The out of state firm was threatening to sue.  After we got involved in the pending case, they backed down and closed their case.  

We have more victories than this, but we wanted to show you that we mean business.  Remember, you have rights that we protect.  For peace of mind, call us NOW!!!
Serving all of Metro Atlanta and surrounding counties including Clayton, Cobb, Coweta, Fulton, Dekalb, Gwinnett,  Henry, Rockdale, Newton, Hall, Forsyth and all cities.  Atlanta, Rockdale, Decatur, McDonough, Marietta, Riverdale, East Point, College Park, Newnan, etc.