Debt Collection Lawsuit Defense in Cobb County, Georgia
Sued for a debt in Cobb County? You still have time to respond.
​Protect your wages and bank account before it's too late.
Once served legal papers, you only have 30 days to file an Answer.
Free consultation. No obligation. Speak directly with an attorney.
Focused on Cobb County Courts
Kaiden & Kaiden, LLC is intentionally centered on Cobb County courts. We understand how these cases are handled locally and tailor our representation accordingly. Our firm regularly appears in Magistrate, State, and Superior Courts in Cobb County.
We represent clients in Marietta, Smyrna, Kennesaw, Acworth, Austell, Powder Springs, Mableton and East Cobb.
Before You Pay, File Bankruptcy, or Ignore It, You Should Know This.
If you were served with a Complaint and a Summons, or learned that a lawsuit has been filed against you, this is the moment to slow things down and get clear answers.
Why Being Sued Does Not Mean You Lose
Lenders and debt buyers file thousands of lawsuits every year. Under Georgia law, many of these cases cannot be proven, are missing documents, or involve incorrect amounts.
We represent consumers, not banks or debt collectors.
Our practice focuses on defending debt collection lawsuits, including credit card and personal loan cases, claims brought by debt buyers, and auto loan deficiency lawsuits filed after repossession.​
Our role is to examine what is being alleged, determine whether it can be proven, or whether the case can be challenged, limited, or resolved on better terms.
What People Don't Realize
-
Being sued does not mean you owe the money
-
Debt buyers often lack required proof
-
Auto loan deficiency claims after repossession are frequently challenged
-
Bankruptcy is not always the first step
​
Lawsuits We Commonly See
-
Midland Credit Management, Inc.
-
Portfolio Recovery Associates, LLC
-
Cavalry SPV I, LLC
-
LVNV Funding, LLC
-
Crown Asset Management, LLC
-
Jefferson Capital Systems, LLC
-
Velocity Investments, LLC
-
Credit card issuers
-
Auto finance companies
Many of these cases are filed in bulk and are not always properly supported.
Auto Loan Deficiency Lawsuits in Georgia
After a vehicle is repossessed, lenders often file auto loan deficiency lawsuits in Georgia for the remaining balance. These claims depend on strict notice and sale requirements.​ When those requirements are not met, the deficiency may not be collectible at all.
Garnishments and Judgments
If a judgment has already been entered, you still have options.
We assist clients with:
​
-
Wage garnishments
-
Bank account garnishments
-
Review of judgments for procedural or substantive errors
​
The sooner you act, the more legal remedies may be available to protect you.
Some firms recommend bankruptcy as a default response. We do not.
Before advising bankruptcy, we look closely at the lawsuit itself. In many instances, defending the case or holding the plaintiff to its proof is the better first step.