Armor Law, LLC is a boutique law firm servicing the entire Atlanta metro area.  Our practice is concentrated on representing consumers dealing with issues of consumer credit and debt including student loans, debt collection defense, credit report errors, debt collector harassment, and identity theft.

Expertise

Our firm has handled hundreds of matters in the magistrate, state, and superior courts of Georgia, as well as the federal district and appellate courts.  Our extensive litigation experience includes million dollar loan disputes, student loan defaults, and filing both individual and class action suits on behalf of consumers under federal and state consumer protection statutes such as the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA).  Chris Armor is a frequent lecturer and presenter to both attorneys and the general public on matters of consumer debt and credit.  He has been featured on both local and national television as a consumer rights expert.  Our firm’s narrow focus on consumer protection matters allows us to provide you with expert analysis and cost-efficient representation.

Client Care

When we represent you, you will always have your questions and concerns answered by an attorney.  We strive to always return phone calls and respond to e-mails in an attentive manner and we make every effort to explain complicated matters in clear, straight-forward language.  Please feel free to contact us via phone or e-mail to discuss your situation. We would be happy to answer any questions you may have about our law firm or law services.

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STUDENT LOANS

There are very few attorneys in the entire state of Georgia who handle student loan issues on a regular basis.  The regulations governing federal and private student loans are radically different and you should speak with an attorney who is well versed on the controlling law for both federal and private student loans.  Armor Law, LLC is the only law firm in Georgia that specializes in NON-BANKRUPTCY SOLUTIONS to student loan defaults.  It is very difficult to have student loans discharged in a bankruptcy and you should not allow yourself to be pressured into filing a bankruptcy that will only offer short term relief to your student loan defaults.

FEDERAL STUDENT LOANS

We receive many contacts from borrowers who have defaulted on their federally backed student loans.  You have rights and remedies written into federal law including rehabilitation and consolidation.  We provide consultations to borrowers to discuss their options with administrative wage garnishments, rehabilitation, consolidation, closed school discharges, borrower defense discharges, and disability discharges.

 

PRIVATE STUDENT LOAN LAWSUITS

If you have been served with a lawsuit, you may want to contact us to discuss your options. The most common filer of lawsuits in Georgia on private student loans is undoubtedly the National Collegiate Student Loan Trusts. Most, if not all, NCSLT lawsuits filed in Georgia are brought by  the law firms of either Roosen, Varchetti, & Olivier or Nathan & Nathan. We have defended several hundred of these lawsuits and are very familiar with their attorneys.  Other student loan lenders who file lawsuits in Georgia include Educap, Inc., the Sallie Mae Corporation, and United Guaranty.  WE HAVE DEFENDED MORE PRIVATE LOAN LAWSUITS THAN ANY OTHER LAW FIRM IN GEORGIA.  If you have been served with one of these lawsuits, please contact us immediately.

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CREDIT REPORT ERRORS

INACCURATE CREDIT REPORTS

It can be frustrating to deal with erroneous credit reports. An inaccurate credit report can ruin your financial and mental health. The good news is that consumers have rights under the Fair Credit Reporting Act (“FCRA”) that help ensure credit reporting agencies report accurate information and creditors appropriately reinvestigate disputes. If you are having problems with an inaccurate credit report, you should speak to an attorney who is experienced with the FCRA.  We routinely represent clients who are having trouble getting their credit reports corrected.  Whether your balance information is incorrect or you have been the victim of identity theft or loan fraud, you have rights under the Fair Credit Reporting Act.  To get a free copy of your credit report, use THIS FORM.

THE DISPUTE PROCESS

You should dispute all inaccurate or incomplete information reporting on your credit report in writing. Your dispute letter does not need to include any special legal language. You simply have to tell the credit reporting agency (“CRA”) what is incomplete or inaccurate; why it is incomplete or inaccurate; and what you want the CRA to do about it. Always enclose any documentation that supports your dispute. Send your dispute and any supporting documentation by certified mail. Your credit report should have the mailing address of the CRA where you need to send your dispute. You should always keep copies of your dispute and supporting documents for your records.
“I MADE A DISPUTE, BUT IT CAME BACK VERIFIED.”

If you have attempted to have a credit reporting agency remove inaccurate information off of your credit report, but they have refused, please contact us today.

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CHRIS ARMOR

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Chris Armor grew up in Birmingham, Alabama and Chattanooga, Tennessee before attending the University of Alabama for undergraduate studies and the University of Denver for law school.  After graduation, he practiced law in Minnesota including helping run a legal aid clinic which specialized in defending consumers in debt collection lawsuits.  Upon relocating to Atlanta, he worked for a firm which performed commercial collection work for one of the largest banks in America.  Since launching his own firm in 2009, his practice now focuses on consumer rights.

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Mr. Armor is a frequent speaker on consumer law matters for both attorneys and the general public. He has been a featured expert on consumer rights on both The Clark Howard Show and HBO’s Last Week Tonight with John Oliver.  He helped co-found a debt collection education clinic with Griffin Bell III and the DeKalb Volunteer Lawyers Foundation in Decatur, and he recently received a special recognition award for his volunteer work.  He lives in the Atlanta area with his wife and three children.

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