Credit Card Debt Defense
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We don’t back down from tough cases—we prepare, strategize, and fight to deliver results.
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Atlanta Credit Card Debt Defense Lawyers

Credit card debt lawsuits can create immediate financial and legal pressure. Wakhisi-Douglas represents clients facing both original creditor and debt buyer claims. Our defense lawyers offer a strategic and aggressive defense from start to finish. Founded in 2010 by a former judge, our firm brings deep procedural knowledge and courtroom experience to every case. 

Clients throughout the Greater Atlanta Area can confidently turn to us for guidance on how to respond effectively, protect their rights, and challenge claims using every available legal avenue. We’re proud of our outstanding track record at trial and welcome the opportunity to serve you next.

Call (762) 722-0248 today to schedule a free consultation. We can also meet virtually, and we have offices in Arkansas and New Hampshire.

Exploring Your Options: Possible Avenues of Defense

Every case is different, and the precise angle of defense can be determined after we understand your specific circumstances. Here are just a few of our options: 

Challenging Debt Buyer Claims

Many lawsuits are filed by high-volume debt buyers such as LVNV Funding, LLC, and its management arm, Resurgent Capital Services. These companies often rely on “robo-signed” affidavits and automated documentation. 

A crucial defense involves examining the chain of title to confirm the debt was properly transferred and seeking the Specific Account Schedule to verify that your account was included in the purchase. Missing links in this documentation can significantly weaken the case against you. 

Statute of Limitations and Time-Barred Debt

Georgia law sets a six-year statute of limitations for written contracts and a four-year window for open accounts. Creditors often assume the longer period applies, but we analyze each account carefully and may be able to challenge the lawsuit under the shorter time frame. 

Please be aware that making a small payment or even acknowledging the debt can restart the clock, so legal guidance before taking any action is critical.

Procedural and Evidentiary Challenges

Even when documentation appears complete, procedural missteps by the creditor, such as errors in service of process, improper affidavits, or missing evidence, can provide strong defenses. By carefully reviewing all filings, account records, and supporting evidence, we look for weaknesses that can lead to dismissals, reduced claims, or favorable settlements.

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Protect Your Rights Today

Credit card lawsuits move quickly, and early legal action can protect your financial future. We handle one of the highest volumes of collection defense cases in Georgia and are a member of the National Association of Consumer Attorneys, reflecting our commitment to consumer protection. 

If you are facing a claim from an original creditor or a high-volume debt buyer, contact Wakhisi-Douglas to discuss your options and explore defenses before deadlines expire. 

Based in the heart of West Midtown, our office is just minutes from the Connector and near the Westside Provisions District. We offer the added convenience of easy on-site parking for our clients throughout the Greater Atlanta Area. 

Reach out today by calling (762) 722-0248 or by filling out our online contact form.

    “I definitely recommend him.”
    “I am incredibly grateful to Attorney Chuck Douglas for his outstanding work over the three-year resolution of my case.”
    Brice N.
    “Highly recommend.”
    “The team at Wakhisi-Douglas helped me get out of my crisis when I thought my financial life was at stake. They were patient, genuine, and very effective in helping me overcome my legal issues.”
    Laura G.
    “Professional and wonderful to work with!”
    “The Wakhisi-Douglas team got us fully compensated for everything we lost and then some! Very professional and wonderful to work with!! Very highly recommended.”
    Matt T.
    “Knowledgeable, professional, and a pleasure to work with!”
    “They handled my case with ease and the outcome far exceeded my expectations. I would hire them again and recommend their firm to anyone in need of specialized legal services!”
    Tamara W.
    “Thoughtful, caring and knowledgeable attorney.”
    “I know when I call his office that he will be prompt and help me resolve my legal challenges. I also consider him to be highly ethical and trustworthy. I would not hesitate to contact him regarding legal matters in the future.”
    Patti B.
    “I highly recommend this law firm.”
    “Chuck is clearly one of the most experienced lawyers in Atlanta and also the most understanding of situations. He took my case, handled it with breeze and made me feel confident through the entire process.”
    Timothy

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  • Insight That Sets Your Case Apart

    With experience as a former judge, we understand how cases are evaluated from every angle and use that knowledge to your advantage.

  • Experienced Representation
    Handling one of the highest volumes of collection defense cases in Georgia, we know the systems, tactics, and strategies that win.
  • Aggressive Advocacy That Protects You
    We don’t back down from creditors or prosecutors. We fight strategically to defend your rights and pursue the best possible outcome.
  • Proven Results in the Courtroom
    With thousands of cases won, we bring confidence, preparation, and results-driven strategy to every case.
  • Free Consultations Available

    We make it easy to get started with a free consultation, giving you the insight you need to move forward.

  • 24/7 Help Available
    No matter the time, you can reach out for a consultation and take the first step toward building your defense.