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Saedi Law Group, LLC in Atlanta, GA
Georgia-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings across metro Atlanta and rural Georgia counties. Founded by an attorney with 24+ years of consumer bankruptcy experience.
Data compiled from public sources · Rating from CreditDoc methodology
Saedi Law Group, LLC Review
Saedi Law Group, LLC is a bankruptcy law firm founded and operated by an attorney with over 24 years of experience in consumer bankruptcy law in Georgia. The firm focuses exclusively on Chapter 7 and Chapter 13 bankruptcy filings, serving clients across 40+ Georgia counties including the Atlanta metropolitan area (Fulton, DeKalb, Gwinnett, Cobb) and rural regions (Hall, Floyd, Gordon, Walker counties). The firm explicitly markets itself as not being a "bankruptcy mill" and emphasizes personalized attention throughout the bankruptcy process.
The firm offers comprehensive bankruptcy services including case analysis, document preparation, court filing, and representation through the bankruptcy process. They provide consultations via video chat or in-person meetings and maintain offices open six days a week with evening and weekend appointment availability. The firm also advertises zero-down payment options for bankruptcy filing fees for clients unable to pay upfront, and handles related financial issues including tax problems and IRS interactions. Their stated approach involves the same attorney working from case start to finish, with the founding attorney personally reviewing and approving all cases filed by the office.
Key distinguishing factors include the founder's direct personal oversight of all cases, explicit commitment to not selling client accounts to third parties, and an emphasis on flexible appointment scheduling (evenings, weekends, video). The firm positions itself against outdated law firm models and claims to respect client time by maintaining on-time appointments without delays. They advertise expertise in handling tax issues and maintain weekly contact with the IRS, suggesting capability in complex bankruptcy cases involving tax debt.
The firm operates as a traditional bankruptcy law practice with a straightforward service model: initial consultation, free case analysis with all options reviewed, document preparation and signing, and case filing. While the website emphasizes client-centered service and personalized attention, it provides limited information about case outcomes, success rates, or specific results achieved for clients. The zero-down payment option is attractive for cost-conscious consumers, though terms and conditions are not detailed on the website.
Services & Features
Bankruptcy document preparation and filing
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Child support and alimony restructuring within bankruptcy
Creditor harassment defense and cease communication
Debt collection lawsuit defense
Financial situation assessment and consultation
Foreclosure prevention planning
Free bankruptcy case analysis and options review
Student loan collection prevention during bankruptcy
Tax issue handling and IRS interaction
Wage garnishment stoppage
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Founder has 24+ years of consumer bankruptcy experience in Georgia
- Same attorney works each case from start to finish, not rotating paralegals or associates
- Zero-down bankruptcy filing available for clients without upfront funds
- Never sells client accounts to third parties, addressing common consumer concern
- Flexible scheduling: 6 days/week, evenings, weekends, and video consultations offered
- Expertise with tax issues and demonstrated IRS interaction capability
- Serves 40+ Georgia counties across metro and rural areas
Cons
- Website provides no information about case outcomes, success rates, or client results
- No pricing transparency—payment plans advertised but specific costs not disclosed
- Terms of "zero-down" filing option not explained (installment structure, total cost unclear)
- Limited information about attorney credentials beyond years of experience
- No client testimonials or case studies provided to validate service quality claims
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Saedi Law Group, LLC legitimate?
Yes. Saedi Law Group, LLC is a registered company, headquartered in 1401 W Peachtree St NW, Atlanta, GA 30309.
Quick Facts
- Headquarters
- 1401 W Peachtree St NW, Atlanta, GA 30309
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Saedi Law Group, LLC
Saedi Law Group is best suited for Georgia residents needing Chapter 7 or Chapter 13 bankruptcy representation who value personalized attorney service and flexible scheduling, particularly those with tax complications or limited upfront funds. The main caveat is lack of published outcomes, pricing details, and independent client feedback, making it difficult to assess actual service quality or value compared to competitors.
Best For
- Georgia residents facing Chapter 7 or Chapter 13 bankruptcy with limited upfront funds
- Consumers with tax debt or IRS issues requiring integrated bankruptcy and tax expertise
- People seeking personal attorney attention rather than assembly-line bankruptcy processing
Updated 2026-04-29
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Read guide →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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