Georgia Collection Law Firms

These law firms regularly file debt collection lawsuits against consumers in Georgia, usually for banks, credit card issuers and debt buyers. If one of them has sued you or sent you a collection letter, here is who they are, who they represent and what consumers have reported about them.

How Collection Law Firms Get Paid

Most collection law firms work on contingency, keeping a percentage of what they recover. Institutional creditors like major banks typically pay 15%–25%, mid-market creditors 25%–35%, and small businesses 33%–50%. A low fee for the bank does not lower what you owe: firms still try to add court costs, process server fees, interest and attorney fees to the judgment. Collection firms typically keep 25%–40% of revenue as profit by relying on automation, small attorney teams handling thousands of cases, and screening debtors for wages and bank accounts before filing suit.

Lloyd & McDaniel, PLC

Lloyd & McDaniel, PLC (also operating as Lloyd & McDaniel, PLLC) is a regional debt collection and creditors' rights law firm headquartered in Louisville, Kentucky. It also practices in Indiana, Ohio, Florida, Georgia, Alabama, Arkansas and West Virginia. Its practice areas include commercial and retail collections, creditor-side bankruptcy, foreclosure, judgment enforcement, repossessions and commercial litigation. Richard B. Alphin is the managing partner.

Georgia office and attorneys: The firm's Georgia office is at 1090 Northchase Parkway, Suite 300, Marietta, GA 30067. Attorneys handling its Georgia caseload include Robert Adam Winter (admitted to the State Bar of Georgia in 1989, Emory University School of Law, creditors' rights) and Louis R. Feingold (admitted in 1986, Georgia State University, bankruptcy and debt actions).

Headquarters contact: P.O. Box 23200, Louisville, KY 40223-0200 · Phone (502) 585-1880 · Fax (502) 585-3054 · www.lloydmc.com

FDCPA and class action lawsuits: Consumers have filed individual and proposed class action lawsuits against the firm, including:

• A 2024 FDCPA lawsuit in a Georgia state court by a consumer who alleged the firm tried to collect a debt already paid off while handled by Cooling & Winter LLC, a firm Lloyd & McDaniel acquired.

• Bemero v. Lloyd & McDaniel, PLC (2023, Illinois federal court), a proposed class action alleging undated validation notices that showed a balance as of a past date. The case was dismissed for lack of standing.

• Alexander v. Absolute Resolutions Corporation et al. (2019, Arkansas), a class action alleging the firm filed suits for a debt buyer that lacked the required state collection license.

• Castro v. Lloyd & McDaniel, PLC (2016, Indiana), a class action over collection letters sent for a major debt buyer, which the firm settled.

• Northern District of Georgia cases filed under the FDCPA and consumer credit statutes, including Jones v. Lloyd & McDaniel LLC et al. (2026), Belser v. Lloyd & McDaniel, PLC (2025) and Martincek v. Lloyd & McDaniel, PLC (2025).

Complaints against the firm commonly allege continuing collection after a timely written request for debt validation, adding unauthorized fees, costs or interest, and garnishing wages or bank accounts without proper notice. The firm has logged more than 140 Better Business Bureau complaints, mostly about billing disputes, communication problems and interest calculations.

Aldridge Pite Haan, LLP

Aldridge Pite Haan, LLP is a multi-state law firm and debt collector representing financial institutions, lenders, banks and medical providers in consumer and commercial collections. It operates in Georgia, Alabama, Tennessee, Mississippi and Wisconsin.

Contact: 6100 Lake Forrest Drive, Suite 200, Atlanta, GA 30328 · Payments: P.O. Box 7389, Marietta, GA 30065 · Phone (800) 844-0045

Reputation and regulatory history: The firm holds a D- rating with the Better Business Bureau and is not accredited. Consumer complaints frequently mention unreturned phone calls and problems processing final payoffs. It has also been subject to a Desist and Refrain Order from the California Department of Financial Protection and Innovation.

Mandarich Law Group, LLP

Mandarich Law Group, LLP is a high-volume consumer debt collection law firm founded in 2009 and headquartered in Chicago, Illinois. It operates in more than 20 states. Its clients include debt buyers such as Cavalry SPV I, LVNV Funding, CACH, LLC and Midland Funding, as well as original creditors such as Capital One, JPMorgan Chase and Bank of America. It handles credit card debt, auto loan deficiencies and student loans.

How it collects: Demand letters and collection calls, then lawsuits seeking default judgments when consumers don't answer, followed by wage garnishments, bank levies and property liens after judgment.

Consumer complaints: Reviews on Yelp and the Better Business Bureau report unreturned calls, failure to recognize payment plans, serving the wrong person, and paperwork errors. Consumers have also alleged FDCPA violations for pursuing time-barred or inaccurate balances.

Ragan & Ragan, PC

Ragan & Ragan, PC is a debt collection law firm that recovers money for commercial, retail, educational and medical creditors. Two unaffiliated firms use the name. The Georgia firm is in Duluth and is managed by attorney Roy Daniel Reagin Jr.

Georgia contact: 3100 Breckinridge Blvd, Unit 722, Duluth, GA 30096 · Phone (678) 206-0621 · GAservice@raganlawga.com

Payment policies: The firm accepts ACH debits, debit cards and MasterCard, but not Visa credit cards or American Express. Once a garnishment is active, it no longer offers monthly payment plans.

The separate New Jersey firm handles accounts in New Jersey, Delaware and New York and can be reached at (732) 280-4100.

Roosen, Varchetti & Olivier, PLLC (RVO Law)

Roosen, Varchetti & Olivier, PLLC is a debt collection law firm representing debt buyers and lenders such as LVNV Funding, Credit Corp Solutions, Cavalry SPV I and First National Bank of Omaha. It handles credit card and auto loan deficiencies, commercial and retail collections, judgment enforcement (bank account freezes and wage garnishments), residential lease deficiencies, and government, tax and student loan collections.

Georgia office: 1950 North Park Place SE, Atlanta, GA 30339 · Mailing: P.O. Box 1186, Smyrna, GA 30081 · Phone (844) 833-0033 or (404) 458-0123 · gaattorneys@rvolaw.com

Headquarters: 39541 Garfield Road, Clinton Township, MI 48038 · Phone (844) 871-3126

Zwicker & Associates, P.C.

Zwicker & Associates, P.C. is a nationwide debt collection law firm headquartered in Andover, Massachusetts. It is retained by original creditors rather than buying debt, and it routinely files lawsuits to collect. Clients include American Express, Discover, Citibank, SoFi and U.S. Bank.

How it collects: The firm screens accounts for employment, real estate and bank accounts before or during litigation, and often sues within 30 to 60 days of receiving an account. After a judgment, it pursues wage garnishment, bank levies or property liens. It does negotiate lump-sum settlements and payment plans before final judgment.

Law Offices of Emmett L. Goodman, Jr., LLC

The Law Offices of Emmett L. Goodman, Jr., LLC is a general practice and trial firm in Macon, Georgia. Emmett L. Goodman, Jr. has practiced in Georgia since 1971 and graduated from Mercer University's Walter F. George School of Law. Along with Social Security disability, bankruptcy, personal injury and workers' compensation, the firm handles consumer collections, commercial collections and creditors' rights cases.

Contact: 544 Mulberry Street, Suite 800, Macon, GA 31201 · Phone (478) 745-5415 or (877) 354-3476 · Monday–Friday, 9:00 AM–5:30 PM

Sued by One of These Firms?

A lawsuit from a collection law firm has a deadline. In Georgia, you generally have 30 days from service to file an Answer, and missing it can lead to a default judgment and garnishment. Carlisle Law Firm defends Georgia consumers against these firms. Call (770) 998-6601 for a free case evaluation.