Frequently Asked Questions

Debt Defender is our flat-fee defense for Georgia credit card, loan, and medical-bill lawsuits. We read your complaint, ask you a short set of questions, and prepare your Answer with every defense your facts support. In State and Superior Court we also prepare discovery to the Plaintiff, and a notice to produce and subpoena to the original creditor for its records. A licensed Georgia attorney reviews every pleading before it is filed. There are two plans: Defender and Defender Pro.

Georgia lawsuits over credit card debt, personal or installment loans, auto loan deficiencies, payday or short-term loans, hospital or medical debt, and car title loans. It does not cover foreclosures or evictions, and it is for cases in Georgia courts. If your case is not a fit, we will tell you and point you to other help.

A reviewed Answer prepared from your facts and your complaint; discovery to the Plaintiff and a subpoena to the original creditor where your court allows it; an analysis of possible collector violations (FDCPA and FCRA) delivered to you; and, on Defender, a filing kit that walks you through printing, signing, serving, and filing, plus a trial-day guide for court. You also get a Client Portal with your pleadings, deadlines, documents, and messages, with reminders by email.

The same way as in Second Look: AI-assisted tools do the first pass, reading your complaint and drafting from your answers, and a licensed Georgia attorney reviews and approves every pleading before it goes out. The attorney is accountable for the result. The tools change how fast we can help, not who is responsible.

With Defender, you are self-represented: the pleadings go out in your name, you sign and file them with our filing kit, you handle the Plaintiff's lawyer, and you go to court yourself with our trial-day guide. We remind you of deadlines, but they are yours to meet, and there is no attorney messaging. With Defender Pro, a Georgia attorney represents you: our name is on the pleadings, we sign, file, and serve everything, we deal with the Plaintiff's lawyer and negotiate for you, and we appear in court for you. Defender Pro also includes preserving and pursuing collector-violation claims, such as a counterclaim, and direct messaging with your attorney.

The fee is flat* and depends on the amount the Plaintiff claims. If the claim is $10,000 or less, Defender is $375 and Defender Pro is $1,500. If the claim is over $10,000, Defender is $750 and Defender Pro is $2,500. Court filing fees, service fees, and other third-party costs are billed separately at cost.

We are giving our first 50 Georgia clients Debt Defender, our self-represented plan, at no charge, in return for honest feedback on how it works for you. Signing up does not make us your lawyers. If you are one of the first 50, you will receive an email with a private link to start your defense. If the lawsuit deadline is close, you can move straight to Defender Pro for immediate representation.

Not in your court case. On Defender, an attorney reviews your pleadings before they are filed, but the firm does not appear for you, sign for you, or speak for you to the Plaintiff's lawyer or the court, and submitting information does not by itself create an attorney-client relationship for the lawsuit. If you want an attorney to take over, move to Defender Pro.

Yes, at any time, including right before a hearing. It is the same case and the same file. Your Defender fee is credited in full and you pay only the difference. Court and other third-party costs are still billed at cost, and you sign a representation agreement before we appear for you.

On Defender, yes: you appear for yourself, and our trial-day guide explains what to bring and what to expect. On Defender Pro, we appear for you. Many cases in Magistrate Court end before trial once a real defense is on file, but we cannot promise any outcome.

No. Results are never guaranteed, and a defense does not erase a debt you owe. What it does is hold the Plaintiff to its proof: it must show it owns the debt, the amount, and that it sued in time. Prior results do not guarantee a similar outcome.