The Kent Law Firm logo

The Kent Law Firm in Atlanta, GA

5.0/5
Google rating from 155 reviews

Atlanta-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, and estate planning with 40+ years of experience.

Data compiled from public sources · Google rating shown when a stored review count is available

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The Kent Law Firm Review

The Kent Law Firm is a father-and-son bankruptcy practice based in Atlanta, Georgia, operating for over 40 years. The firm focuses exclusively on personal bankruptcy and will preparation, positioning itself as a debt relief agency that helps clients file for bankruptcy relief under the Bankruptcy Code. Their practice emphasizes personalized client relationships and accessibility throughout the bankruptcy process.

The firm offers Chapter 7 and Chapter 13 bankruptcy filings, creditor harassment cessation, foreclosure and repossession prevention, garnishment and lien resolution, and will preparation services. They provide free initial consultations and advertise reasonable fees compared to competitors. The firm explicitly targets seniors, military veterans, and government workers with listed-cost legal services. They also address bankruptcy's intersection with divorce proceedings and provide credit rebuilding guidance post-filing.

The Kent Law Firm differentiates itself through availability and personalized service. They offer Saturday appointments, commit to attorney presence throughout cases (criticizing competitors who don't appear in court), emphasize responsive communication, and promise to treat clients like family. The messaging focuses on emotional support alongside legal experience context, acknowledging client shame and stress while positioning the firm as a "hand up, not a hand out."

The firm's scope is narrow but focused. As a law firm, they cannot offer debt settlement, consolidation, or credit repair services—they specifically handle bankruptcy filings and related legal matters. Their positioning around relationship-building and accessibility is credible but typical of local law practices. The 40-year history and father-son structure suggest stability, though individual attorney credentials are not detailed on the homepage.

Consumers considering bankruptcy should also explore alternatives. Debt relief programs may negotiate settlements for less than owed, while debt consolidation loans can simplify payments. Credit counseling agencies offer free financial assessments. After bankruptcy, rebuilding credit through secured credit cards and credit builder loans provides a structured path back. Credit repair services can help ensure accurate reporting. After discharge, qualifying for an installment loan can begin rebuilding payment history on your credit report.

Services & Features

Bankruptcy and divorce intersection counseling
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Credit rebuilding guidance post-bankruptcy
Creditor harassment cessation and cease-and-desist assistance
Foreclosure and repossession prevention
Free initial consultations
Specialized services for seniors and military veterans
Wage garnishment and lien resolution
Weekend and Saturday appointments
Will preparation and estate planning

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Over 40 years of combined bankruptcy and estate planning experience
  • Free initial consultations with no obligation to file
  • Saturday appointments available for working clients
  • Father-and-son team structure suggests continuity and stored reputation signals
  • Explicit commitment to attorney presence in court and client accessibility
  • listed discounted services for seniors, military veterans, and government workers
  • Addresses multiple debt relief tools (Chapter 7, Chapter 13, foreclosure prevention, garnishment)

Cons

  • Website lacks individual attorney credentials, bar admission details, or specific case results/testimonials
  • No listed fee structure provided—only vague mention of 'reasonable fees'
  • Limited geographic service area (Atlanta/Georgia focus) despite national bankruptcy law applicability
  • No information about response time expectations or case timeline management
  • Cannot offer debt settlement or consolidation services—limited to bankruptcy filings only

State Consumer Finance Context

This is state-level context for Bankruptcy Services consumers in Atlanta, GA. It does not confirm that The Kent Law Firm or this specific location is licensed.

State regulator

Georgia Department of Banking and Finance

Consumer protection

Georgia Attorney General Consumer Protection Division

Credit and debt help rules in Georgia

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

  • Credit repair organizations must provide written contract with clear terms, cost, and timeline before providing services
  • Upfront payment for credit repair services is prohibited; payment only allowed after promised results are delivered
  • Organizations must disclose consumer's right to dispute items directly with credit bureaus at no cost

Key state rules to check

  • Payday lending is banned; Georgia repealed the industrial loan act that authorized small loans.
  • The Georgia Industrial Loan Act criminalizes payday-style lending as a felony racketeering offense.
  • Licensed installment lenders can charge tiered rates up to 60% for smallest loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does The Kent Law Firm offer?

The Kent Law Firm offers 11 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Creditor harassment cessation and cease-and-desist assistance, Foreclosure and repossession prevention, Wage garnishment and lien resolution, and 6 more.

What profile signals are listed for The Kent Law Firm?

The Kent Law Firm has profile signals associated with Georgia residents facing Chapter 7 or Chapter 13 bankruptcy filing, Seniors and military veterans seeking listed-cost bankruptcy representation, Individuals needing foreclosure prevention or creditor harassment cessation, People with estate planning needs concurrent with bankruptcy matters.

What are the strengths and weaknesses of The Kent Law Firm?

Key strengths: Over 40 years of combined bankruptcy and estate planning experience; Free initial consultations with no obligation to file; Saturday appointments available for working clients. Areas to consider: Website lacks individual attorney credentials, bar admission details, or specific case results/testimonials; No listed fee structure provided—only vague mention of 'reasonable fees'.

How does The Kent Law Firm compare to similar companies?

In the Bankruptcy Services category, comparable providers include Arthur Ray Law Offices, ICICI Bank New York Branch, Leinart Bankruptcy Law Firm - Fort Worth. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Atlanta, GA
BBB Accredited
No
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CreditDoc Profile Note

Research Note on The Kent Law Firm

The Kent Law Firm is profile signals for Georgia residents needing bankruptcy filing representation, particularly those valuing personal attorney availability and listed support for vulnerable populations. The main caveat is that they offer legal representation only—not debt consolidation, settlement, or credit repair—so clients seeking non-bankruptcy debt solutions should seek other providers.

Profile Signals

  • Georgia residents facing Chapter 7 or Chapter 13 bankruptcy filing
  • Seniors and military veterans seeking listed-cost bankruptcy representation
  • Individuals needing foreclosure prevention or creditor harassment cessation
  • People with estate planning needs concurrent with bankruptcy matters
Updated 2026-04-29

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Leinart Bankruptcy Law Firm - Fort Worth logo

Leinart Bankruptcy Law Firm - Fort Worth

Fort Worth-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services, plus personal injury representation. 24/7 consultation availability.

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Quick Summary

  • The Kent Law Firm is listed as a Bankruptcy Services provider in Atlanta, GA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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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 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.

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 are required to 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 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.

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 has obtained 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 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.

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 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.

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 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.

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 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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