Cooling and Winter LLC

Cooling and Winter, LLC – Stop Wage Garnishment and Lawsuits

Matthew Cherney of Cherney Law Firm can stop Wage garnishments from Cooling and Winter LLC

Matthew J Cherney of Cherney Law Firm can stop bank and wage garnishments from law firms like Cooling and Winter, LLC

Who is Cooling and Winter, LLC ?

Cooling & Winter is a law firm that represents debt collectors and they are located in Georgia. When a creditor is having trouble collecting from it’s debtors, they will often-times use the services of law firms like Cooling & Winter. These creditors are usually credit card companies like Capital one or Bank Of America, but they can also be debt collection companies and student loan buyers.  It is important to note that most of the time, the creditor seeking their services has made several attempts to collect their debt from the debtor and has not been successful.

Can Cooling and Winter Garnish my Wages?

As a debtor, you need to understand that once a creditor retains a law firm like Cooling and Winter, they have every intention on getting a court ordered judgment to collect that debt. At this point, Cooling and Winter can and will ask the court for a judgment to garnish your bank account or your wages. If they intend to garnish your wages, they will notify your employer and your employer is legally required to take up to 25% of your wages each pay period. By garnishing your bank account, they will now legally be able to take what is owed to them directly from your checking or savings account.

Why is Cooling and Winter Calling Me?

If you have come to this website, you most likely have been getting calls or letters from Cooling and Winter, LLC. These calls and letters are very stressful because they are either threatening to sue, in the process of suing you or have already sued you and won.

Can I win a Lawsuit From Cooling and Winter?

A majority of the time, Cooling and Winter will win their lawsuit vs the debtor because the debtor never appears in court. This is an easy win for them. Once the court grants the judgment in favor of Cooling and Winter, there is little the debtor can do. At this point there will be a judgment that will appear on your credit report for the next 7 years and Cooling & Winter will most likely pursue with garnishment.

Cooling and Winter Contact Information:

Cooling and Winter, LLC main office is located in Marietta, Georgia. Close to Atlanta, Georgia

Main Office:

1090 Northchase Parkway SE, Suite 300
Marietta, GA 30067

Phone Number:  770.988.9055

Toll Free:  800.291.5144

cooling and winter is debt collection law firm in georgia

How can I stop Cooling and Winter from Wage or Bank Garnishment Against me?

First and foremost, Cherney Law Firm would like to point out that a debt collector has every right to try and collect a debt that is owed to them. We do not advocate any sort of promotion of not paying a creditor that is rightfully owed a debt.

With that being said, we also understand that there is a bigger picture that may need to be addressed. Most of the time when one of our clients that contact us about about a wage garnishment that they have received from law firms like Cooling and Winter, also have other recurring debt problems also. A majority of the time it is at no fault of our client that this has happened.

We understand that bad things happen to good people. Sometimes it is a job loss, or it can be that you simply do not make enough money to pay your bills and have enough money left over for other things that you and your family need.

If you contact our office, a wage garnishment attorney will be able to stop the wage garnishment immediately. We can also help you get your life on track by eliminating all of your debt or getting you into a payment plan that can save you from foreclosure or car repossession.

Cooling and Winter, LLC FAQs

Can Cooling and Winter legally garnish my wages

When Cooling and Winter files a judgment in the court to collect debt and the judge awards them the judgment, they can and will legally garnish your wages. This can be up to 25%

Can Cooling and Winter garnish my bank account?

In some states, If Cooling and Winter wins a judgment against you in the court of law, they can garnish your checking or savings account for the the full amount of money owed to them.

Why is Cooling and Winter Suing me?

Cooling and Winter is a debt collection law firm. If you received notice that they are filing a judgment against you, it is most likely that they are representing a debt collector that you owe a debt to. If they are successful and win the judgment against you, they may now legally be able (in some states) to garnish your bank account or wages to collect that debt from you.

Does Cooling and Winter collect for Capital One?

Cooling and Winter LLC is a debt collection law firm that represents many lenders, banks and credit card companies. Capital One is one of them

Does Cooling and Winter collect for Bank Of America

Cooling and Winter LLC is a debt collection law firm that represents many lenders, banks and credit card companies. Bank of America is one of them

Medical Bills & Bankruptcy: What You Need to Know

Estimated Reading Time: 3 min

Health care costs have been rising exponentially over the course of several years.

Beginning with the introduction of the healthcare marketplace, benefits from employers began to decrease as covering premiums for employees rose impacting the bottom line of many companies.

As a result, you have taken on increased medical expenses even for routine appointments making affording preventative healthcare as well as reactive healthcare back-breaking for your bank account.

You might be considering bankruptcy but don’t know where to start or if this will impact the care you receive from your current providers. The good news is, it is not unheard of to file bankruptcy due to medical bills. About 60% of all bankruptcy claims include medical bills or have such listed on the petition.

What kind of bankruptcy can I file?

At the end of the day, bankruptcy is bankruptcy. There is no special kind you can seek out to discharge this kind or that kind of debt. Something to consider when you move towards filing is that bankruptcy clears all unsecured debt (e.g. credit cards, utility bills, friends and family loans, etc.)

Filing for bankruptcy leaves you little room to haggle over what is shown to the court. When filing, you will be asked to be forthcoming with every debt you own as well as all assets, income, and expenses.

Chapter 7 is what’s known as straight bankruptcy.

Bankruptcy does not clear every single debt you have depending on the form. For example, should you owe child support or income tax, these debts will not be forgiven. Other debts, such as student loans, may only be discharged under extraordinary circumstances. Also, if you’d like to maintain property after the bankruptcy is complete, such as your car or home, you will be expected to keep and maintain these debts with regular, on-time payments. While this form of bankruptcy has many appealing attributes, not everyone qualifies for Chapter 7.

Chapter 13 allows you to repay your debts over three to five years. Your payment through the court will be determined by the debts you owe as well as what amount of disposable income you have coming in each month. This means your monthly expenses are taken into consideration when making payments, unlike when you’re paying these debts directly to the creditors. At the end of your payment plan, you could end up paying less than you actually owe and have the remaining debt discharged.

Will I get to keep my doctor?

The answer to this question depends on your physician. Many hospitals and physicians understand why patients file bankruptcy and will continue to see you. At the same time, a physician holds the right to refuse future treatment should you discharge their fees in bankruptcy.

At the end of the day, you have options. You can always find a new physician should yours stop providing treatment due to bankruptcy. While that reality may sting, bankruptcy could be the answer to preserving your future.

Debt Consolidation in Georgia

Debt Consolidation in Georgia

Debt Consolidation Help in Georgia

There are many reasons why people are struggling with debt and seek options that will help them get out of it. Your Marietta Debt Consolidation attorney Matthew Cherney can help lower and pay off any current unsecured debts that you have. If you are looking for a way to get out of debt, debt consolidation may be the best option.

Reasons Behind Debt

You will need to figure out when you started accumulating debts so that a solution can be found. There are several reasons why people experience debt such as:

  • Unemployment
  • Emergencies
  • Medical bills
  • Student loans
  • Auto loans/Repossession
  • Overdue mortgages/Foreclosure
  •  Bankruptcy
  • Among many other reasons

The best thing to do while going through the process of debt consolidation loan is to make a budget plan so that your bills and creditors will be paid on time. It is also important to remember that you should not spend more than what is within your means.

What is Debt Consolidation?

One of the first things to understand is knowing what debt consolidation is and learning how it will help to clear your debts. Debt consolidation is a legal opportunity that allows debts to be lowered, grouped together, and paid with a consolidation loan. You will be able to pay off debts by paying a fixed amount every month until your credit is cleared. Debt consolidation is an option that is open to everyone, and this even includes those with secured debt with collateral or unsecured debt.

Applying for Debt Consolidation in Georgia

Having the option to pay off accumulated debt by applying for a loan can seem easy at first, but not everyone is eligible. Lenders require a certain credit score before they will approve an application. A low credit score is considered a risk to lenders, so there is a chance you may not be approved. The higher your credit score is, the more likely a consolidation lender will approve your application.

Another factor that is considered by lenders is the total amount of debt you have. If your debt is too low and does not reach the minimum threshold for a consolidation loan, a lender is less likely to approve the loan. A debt consolidation lender will also consider the amount of the loan to be paid back, monthly fees, and how long it will take for you to pay back the loan.

How does Debt Consolidation in Georgia work? 

It is important to keep in mind that a debt consolidation loan can help relieve debt, but it is not an overall solution. You will still have to pay back the loan through a debt consolidation lender in addition to paying any recurring monthly bills such as a mortgage, rent, electricity, water, or cable bills. It is necessary to know if you can afford to pay off the loan and still live fairly comfortably; you should not have to struggle unbearably while paying off your debts.

Debt consolidation can be a perfect option if you are well organized and can follow a budget plan that will help avoid overspending. This alternative solution to clear your debt should be considered as a temporary aid. It is designed to provide a better start for managing your financial difficulties.

What if my Credit is not Good Enough for a Debt Consolidation Loan?

Not all people can qualify for a debt consolidation loan. On top of that, there are companies out there that offer bad credit loans in Georgia and even if your can get a bad credit consolidation loan, it may not be the best idea. Many times it will be a temporary fix and the interest rates on these loans are so high that it eventually puts you back in debt, but there are alternatives.

  • Debt Negotiation – We can speak to your creditors on your behalf and try to settle your debt or lower your payments.
  • Credit Counseling – There are companies in Georgia that will offer credit counseling consolidation. This is not a loan and you do not need good credit. Many credit counseling customers end up failing because their debt is just too big and they cannot keep up the payments.
  • Chapter 7  –  A chapter 7 bankruptcy plan sounds horrible but it literally gets rid of all of your debt and gives you a fresh start. It is the best option if you are struggling to make payments on your debt.  Many of our clients only regret is that they didn’t contact us sooner about this option.
  • Chapter 13 – A chapter 13 bankruptcy is more favorable if you would like to save your home from foreclosure or your car from being repossessed. We would create a chapter 13 repayment plan that would catch you up on late payments or arrears.  It has many of the benefits of a chapter 7. If you have regular income and just want to reorganize your debts, this is a great option. It is like debt consolidation loan without applying for a loan.

Debt Relief in Georgia

There is much more detail that goes into all of the above and the best way to figure out how we can help you  is to contact us for a FREE CONSULTATION.  We have dealt with thousands of clients and have seen every scenario, the stress that your debt is causing you can be stopped with one phone call.

Making A Budget Plan

Having a budget plan will help keep financial transactions well organized so that creditors will be paid on time. It is also a good idea to consult a professional financial lawyer or advisor for help. An attorney can help you devise an effective plan to remove debts as quickly as possible.

By assessing all of your spending habits, it will be much easier to determine the crucial spending necessities. Once a spending pattern has been observed, a financial plan can be made so that you can pay off the consolidation loan as soon as possible.

Learn More About Debt Consolidation

By understanding what debt consolidation is and how it works, the better the chances to get out of debt. It is not a good idea to wait until you are almost bankrupt to apply for a consolidation loan, but instead, identify the problem at an earlier stage where debts are more manageable. Take the time to decide if this type of loan is right for you and consult a professional Atlanta debt consolidation attorney to find out what steps you need to take to start your path towards financial recovery.


Filing Bankruptcy is Another option

Another option that you have to to consider filing chapter 7 or chapter 13 bankruptcy. Cherney Law Firm specializes in bankruptcy in the state of georgia and is a very experienced Atlanta bankruptcy attorney. By filing bankruptcy, you can eliminate your debt or, if you file a chapter 13 repay your debt in a 3-5 year period. FIling for chapter 13 is kind of like a debt consolidation plan except with a chapter 13 your creditors are forced to accept the plan as long as the bankruptcy courts approve it.

Contact Cherney Law Firm today if you would like to discuss the many ways we can help you with debt relief.


What is debt consolidation?

Debt consolidation is a way to take all of the debt that you owe and consolidate it into one payment. Many times you can save thousands of dollars per year using debt consolidation, depending on your financial situation.

Is chapter 13 a consolidation loan?

No. A chapter 13 bankruptcy is not a loan. It allows people who are struggling with debt to restructure their debt with a 3-5 year payment plan. A chapter 13 bankruptcy is very helpful for people who have fallen behind on payments like their home mortgage. A chapter 13 lets you catch up on your late payments while being able to keep your home.

Is Debt Consolidation a way out of debt?

If you are unable to make your monthly payments and are falling behind on your bills, debt consolidation is an option to consider. There are several options to debt consolidation and it is best to speak to a financial advisor or an attorney that can help you see if debt consolidation is right for you.

Don’t Fall Victim To Illegal Debt Settlement Companies!

Wage Garnishment Notice

Anyone who is in deep debt could be especially vulnerable, which is one reason why they may seek aid at the end of his or her wits. Most of the time it is debt adjusters who answer and provide assistance.

It would be nice to say debt adjusters were always honest, but that is not always the case. Some of the companies do not pay on time and violate the Debt Adjustment Act that says creditors must be paid within 30 days after receiving the money.

Of course, the consumer now has the right and should definitely pursue legal action against the debt adjuster for blatant violation of the Act.

The company may be forced to return all fees that you ended up paying or charges that resulted from their negligence. The violation itself could also award you a restitution, which could be as high as $5,000, and that is a helpful amount no matter what.

How Debt Collecting Companies Lure Customers In?

The debt adjustment industry is growing dramatically, which is making room for illegal debt settlement companies. It is no secret that many Americans are suffering and looking for solutions, which is what these companies take advantage of.

Most people who are having trouble paying their debts often consider bankruptcy as an option. However because of many misconceptions of bankruptcy, debt collecting agencies can play upon that fear. Debt adjusters often times advertise themselves as an alternative solution, claiming that they could clean up your credit in a short period of time.

Debt settlement companies have been know to tell clients to stop paying all unsecured creditors. The client is then told to send all the money owed to debtors to the debt settlement company itself. The fees for the company’s services are collected upfront before any debtors are paid.

Most of the unscrupulous actions taken by debt settlement companies were declared illegal by the Federal Trade Commission since October 27 back in 2010. This was probably done because many of these solutions are riddled with discrepancies that are withheld from the client.

The Part that is Withheld From You

What makes debt settlement companies potentially bad for you is that working with them does not guarantee that the credit cards companies that you owe money to won’t file a debt collection lawsuit to get their money from you.

Some credit card companies do not go after you and decide to bundle up all the money you owe into a portfolio that is labeled uncollectable. This does not mean your debt is gone. In fact, sometimes, it is sold off to junk debt buyers for a fraction of what is owed. These junk debt buyers are a shady bunch who make it their business to collect what is owed. They do this by filing derogatory credit entries against you or by making harassing calls to you. These calls are so bad that they usually violate the Fair Debt Collection Practices Act.

Of course, it is possible that the debt settlement company you hired ends up paying off your bills, but this also means you may be issued an IRS 1099-C. Consumers have to report any debt that has been forgiven if that debt exceeds $600, which may end up hurting you.

Furthermore, at least in the state of Georgia, these debt settlement companies have been made illegal. So, the first lie they are telling you is that they are still a viable option in this state. Those who have fallen victim to these companies should consider fighting with your Marietta Debt Relief attorney at Cherney Law Firm. Do not fret, the free consultation offered comes with no strings attached.

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