Athens and Clayton GA Debt Collection Defense & Harassment Attorney

Are you facing a debt collection lawsuit from a company that you have never heard of who is claiming to be the assignee of a credit card company?


If so, you may be facing a third-party debt collector or a junk debt buyer.  It is important for you to understand that your action or inaction can have a serious impact on the outcome of your lawsuit. Hurt Stolz, P.C. has successfully defended hundreds of these cases on behalf of our clients. We have also filed numerous lawsuits and counterclaims on behalf of those who have experienced abusive debt collection practices in violation of Federal laws including the Fair Debt Collection Practices Act (FDCPA) and violations of the Georgia Fair Business Practices Act (GFBPA). We protect consumers sued by these third-party debt collectors and junk debt buyers.

We are not a bankruptcy firm.


We are not negotiators of “settlements” with the debt collector on your behalf. We defend consumers, like you, who face lawsuits filed by the third-party debt collectors. We stop the abusive phone calls and the seemingly endless barrage of demanding letters. We hold the debt collectors responsible for their actions. Being sued by a debt collector can be very stressful, but there are legal steps you can take to protect your rights. We are often able to resolve the matter for significantly less than the original debt.


If you are a victim of unlawful debt collection practices, Hurt Stolz, P.C. can protect your rights.


Under the Fair Debt Collection Practices Act, a debt collector MUST:

  • Identify who they are and advise the consumer at each and every communication that the communication is coming from a debt collector. In the first communication, the collector must also inform the consumer that any information obtained will be used for purposes of debt collection.
  • Send written correspondence to the consumer’s home address within 5 days of the first communication identifying who they are, who they are collecting on behalf of, and the balance owed. In addition, the correspondence must advise the consumer that they have the right to dispute the debt and have 30 days to demand that the debt collector validate the debt.
  • If the consumer seeks the validation, then the collector must discontinue all attempts to collect the debt until such time as the debt collector provides verification.
  • In the event of obtaining a post-dated payment instrument, provide written notice of the intent to deposit the post-dated instrument.


Under the Fair Debt Collection Practices Act, a debt collector CANNOT:

  • Call before 8:00 a.m. or after 9:00 p.m. or at any time that the debt collector has been given notice that it is inconvenient to call.
  • Tell other people (friends, family, neighbors) about the fact that a debt is owed.
  • Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
  • Use any profane language or any language that is harassing and abusive.
  • Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
  • Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment.
  • Threaten arrest or criminal prosecution.
  • Send false information to the credit bureaus.
  • Cause a telephone to ring an unreasonable amount of times.

If a debt collector has engaged in any of the above conduct that is not allowed by the FDCPA, or has been deceptive to you in any other way, contact our office for a free case review.

Contact us today for a free case evaluation.

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    Jasmine James
    Jasmine James
    Mr. Hurt and his staff, is by far one of the best you could ever work with! They were kind, well organized, professional and extremely helpful to me with my case. If you’re ever in need of a efficient customer protection Lawyer, Mr. Hurt and his staff is absolutely the right way to go!
    Kerri Black
    Kerri Black
    Very helpful !!!!
    Sarah Campbell
    Sarah Campbell
    We recently had a disagreement with an insurance company over a diminished value claim after a car wreck. After trying to work directly with the insurance company adjusters, we decided to get some professional help. The extremely knowledgeable team at Hurt Stolz turned a months-long battle into a week-long solution. I could not be happier with the customer service and speed of resolution. Many thanks to Jenny and everyone at Hurt Stolz!
    John Campbell
    John Campbell
    I can't thank the team at Hurt Stolz enough for their excellent service and knowledge. Our case was serviced very quickly, professionally and to 100% satisfaction. Highly recommend!
    Larry Farlee
    Larry Farlee
    Without reservation I want to recommend The Hurt Stolz law firm. Mr. James Hurt Jr. is without question the hardest working and honest professional attorney I have ever encountered. His compassion and straight talk puts him in a class of his own. While he is very articulate he can talk to you in terms that are understandable. Jimmy is honest and does not make promises he can not keep but he gives you his best effort keeping you first and foremost.
    pamela daniels
    pamela daniels
    Need a lawyer to take care of some personal affairs and was referred to Mr Jimmy. One of the best choices I ever made in choosing an attorney. Mr Jimmy was very professional and always made himself available. Each time I called his office with a question I was able to speak with him directly. He is awesome and very knowledgeable. Mr Jimmy was nice each time I called he made me feel welcome to call anytime. Mr Jimmy was very dedicated to my case. He won my case with more expectations than I would ever dream. So if you looking for an honest, dedicated, welcoming and down to earth attorney, Mr Jimmy would be the perfect pick. Thanks Mr Jimmy for your time and service
    Carolyn Barnes
    Carolyn Barnes
    Jimmy was very professional and friendly. He and his staff kept me informed as they worked very hard on my case. Having them handle my case was low stress for me!
    Killani Kadri
    Killani Kadri
    Jimmy was a very professional and incredible lawyer in my case. He worked tirelessly for a successful outcome for me. Once I signed him up to represent me; everything went perfectly well for me, I am glad I hired him. I will definitely recommend and use his service again, if I had to. Thanks Jimmy!
    Sally Rogers
    Sally Rogers
    Jimmy did a great job on my case. He took the missteps I had made and corrected them so that I now have peace of mind. He was very professional while being very friendly. And his staff was beyond words to describe friendly, helpful and so accomodating.
    Mark Massey
    Mark Massey
    Great Firm!! Very professional, always kept in contact with me if I had a question or need! I would definitely use them again and would recommend them to anyone!!!