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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
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 The firm positions itself against outdated law firm models and claims to respect client time by maintaining on-time appointments without delays.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 experience context 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.
This is state-level context for Bankruptcy Services consumers in Atlanta, GA. It does not confirm that Saedi Law Group, LLC or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Relevant law: Georgia Credit Repair Services Organization Statute (criminal) (O.C.G.A. § 16-9-59)
Registration: Not listed as required in the current CreditDoc state summary
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Saedi Law Group, LLC offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Free bankruptcy case analysis and options review, Financial situation assessment and consultation, Bankruptcy document preparation and filing, and 7 more.
Saedi Law Group, LLC has profile signals associated with 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 experience context, People seeking personal attorney attention rather than assembly-line bankruptcy processing.
Key strengths: 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. Areas to consider: Website provides no information about case outcomes, success rates, or client results; No pricing transparency—payment plans advertised but specific costs not disclosed.
In the Bankruptcy Services category, comparable providers include Clark & Washington Attorneys and Counselors at Law, Simplified Document Solutions, Wealth Transfer Enterprise. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
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.
Nashville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 35 years of experience. Offers remote filing, flexible payment plans, and full legal representation through court.
Profile signals: Nashville/Tennessee residents with Chapter 13 debt who want to avoid upfront attorney fees, Individuals seeking remote bankruptcy filing without ability to visit an office
Atlanta-based bankruptcy filing service offering Chapter 7 and Chapter 13 filings for $249, plus tax preparation and debt relief services for low-to-moderate income individuals.
Profile signals: Low-income individuals seeking Chapter 7 liquidation bankruptcy with minimal legal fees, Moderate-income earners exploring Chapter 13 reorganization with budget constraints
MendenFreiman LLP is an Atlanta-based law firm specializing in private wealth planning for high-net-worth individuals, offering estate planning, trust design, and business succession services.
Profile signals: High-net-worth business owners planning succession and wealth transfer, Families seeking multi-generational trust and estate planning strategies
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A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost 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.
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 are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to 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.
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 has obtained a judgment.
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.
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.
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.
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.
Chapter 13 may be more relevant 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.
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.
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 is generally required to 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.
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.
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).
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.
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.
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.
Consolidation is generally most useful 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.
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.
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.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
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.
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.
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 has obtained 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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