recovery-law-group in Anderson, IN

4.2/5

Recovery Law Group (Wajda Law Group) is an Indiana-based law firm specializing in bankruptcy and debt relief. Founded 2018. Offices in Anderson, IN and Los Angeles. 4.7 average from 245 reviews. Not BBB rated.

Data compiled from public sources · Rating from CreditDoc methodology

From Free/mo Visit Website

recovery-law-group Review

Recovery Law Group, also known as Wajda Law Group, is a law firm headquartered in Anderson, Indiana, with additional offices including Los Angeles, specializing in bankruptcy protection and debt relief services. Founded in 2018, the firm provides legal representation for consumers in Chapter 7 and Chapter 13 bankruptcy filings as well as debt settlement and negotiation services. The firm claims to have helped approximately 150,000 clients, though this number should be verified against actual case volume. Reviews across platforms average approximately 4.7 stars from 245 reviews on Reviews.io.

The firm offers a range of debt-related legal services including Chapter 7 bankruptcy filing, Chapter 13 bankruptcy reorganization, debt settlement and negotiation, creditor harassment cessation, foreclosure defense, and wage garnishment protection. The law firm structure provides advantages over non-attorney debt settlement companies, including attorney-client privilege, the ability to represent clients in court if creditors pursue litigation, and legal oversight of the entire debt resolution process.

The company is not BBB accredited and has no BBB rating. Customer reviews are mixed — while Reviews.io shows strong scores (4.72 from 245 reviews with 232 excellent ratings), Yelp reviews (44 reviews in LA) show more varied experiences including complaints about taking money without completing services. The firm's Indiana headquarters with an LA satellite office is an unusual geographic setup for a consumer-facing law firm. Consumers should verify attorney licensing in their specific state and request references from recent clients in their jurisdiction before engaging.

Consumers considering bankruptcy should also explore alternatives. Debt relief programs may negotiate settlements for less than owed, while debt consolidation loans can simplify payments into one monthly bill. Credit counseling agencies offer free financial assessments and debt management plans. After bankruptcy, rebuilding credit through secured credit cards and credit builder loans provides a structured path back. Credit repair services can help ensure the bankruptcy filing is accurately reported and outdated items are removed on schedule. Credit monitoring services provide ongoing visibility during the multi-year recovery process. After discharge, qualifying for an installment loan — even a small one with higher rates — can begin rebuilding payment history on your credit report.

Services & Features

Attorney-led debt settlement and creditor negotiation

Chapter 13 bankruptcy filing and representation

Chapter 7 bankruptcy filing and representation

Credit counseling and financial recovery planning

Debt defense against creditor lawsuits

Free legal consultation for debt relief options

Feature Checklist

Mobile App

Online Portal

Score Tracking

Credit Education

Personal Advisor

Identity Theft Protection

Pricing Plans

Chapter 7 Bankruptcy

Free /mo

Free initial consultation
Complete Chapter 7 filing and representation
Means test analysis
Creditor communication handling
Post-filing credit guidance
Payment plans for attorney fees

Get Started

Chapter 13 Bankruptcy

Free /mo

Free initial consultation
Chapter 13 repayment plan design
Court representation and filing
Plan modification support
Home foreclosure prevention

Get Started

Pros & Cons

Pros

Attorney-led debt relief provides legal representation that non-attorney settlement firms cannot offer
Bankruptcy filing capability gives consumers a legal option when settlement is insufficient
Free consultation allows evaluation of legal options without upfront financial commitment

Cons

No BBB accreditation or rating found, limiting third-party accountability verification
Dual operating names (Recovery Law Group / Wajda Law Group) can create confusion about the entity providing services
Limited online transparency about attorney credentials, case outcomes, and fee structures
Anderson, Indiana location may limit in-person consultation accessibility for consumers in other states

Rating Breakdown

Value

5.0

Effectiveness

3.7

Customer Service

3.9

Transparency

4.1

Ease of Use

4.2

Frequently Asked Questions

Is recovery-law-group legitimate?

Yes. recovery-law-group is a registered company, headquartered in Anderson, IN, founded in 2018.

How much does recovery-law-group cost?

recovery-law-group plans start at Free per month with no setup fee. No money-back guarantee is offered.

How long does recovery-law-group take to show results?

Results vary.

Quick Facts

Founded: 2018
Headquarters: Anderson, IN
Employees: 11-50
BBB Accredited: No
Certifications: No BBB accreditation found Also operates as Wajda Law Group Founded 2018 in Anderson, Indiana Focuses on debt resolution and bankruptcy
Starting Price: Free/mo
Setup Fee: None
Money-Back Guarantee: No

Visit recovery-law-group

+1 888-297-6023 309 W 11th St, Anderson, IN 46016

CreditDoc Diagnosis

Doctor's Verdict on recovery-law-group

Recovery Law Group offers combined bankruptcy and debt settlement legal services, which can be valuable for consumers who need both options evaluated by an attorney. The Reviews.io profile (4.7 stars, 245 reviews) is positive, but the lack of BBB rating and mixed Yelp reviews are caution flags. The Indiana headquarters with LA satellite raises questions about where attorneys are actually licensed to practice. Verify: (1) attorney bar admission in your state, (2) fee structure in writing, (3) references from recent clients. Compare against local bankruptcy attorneys and national firms like Allmand Law (Texas) or Weston Legal.

Best For

Consumers needing combined bankruptcy and debt settlement legal services from a single firm
Individuals facing creditor lawsuits who need attorney representation and defense
Those considering Chapter 7 or Chapter 13 bankruptcy who want legal guidance on alternatives
People in financial distress who want attorney-backed debt negotiation with settlement option

Updated 2026-04-29

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Financial Terms Explained (14 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.

Why it matters

Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.

Example

You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Garnishment — Wage Garnishment

A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.

Why it matters

Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.

Example

You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.

Statute of Limitations — Statute of Limitations (Debt)

A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.

Why it matters

Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.

Example

You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.

Debt & Recovery

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.

Why it matters

Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.

Example

You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.

Why it matters

Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.

Example

You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Debt Consolidation

Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.

Why it matters

Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.

Example

You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.

Debt Settlement — Debt Settlement / Negotiation

Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.

Why it matters

Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.

Example

You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.

Example

You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.

Judgment — Court Judgment (Debt)

A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.

Why it matters

Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.

Example

A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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