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

Wage Garnishment Attorney – Atlanta Georgia

Stopping Wage Garnishment

Atlanta Wage Garnishment Attorney Matthew Cherney of Cherney Lww Firm
Atlanta wage garnishment attorney Matthew Cherney of Cheney Law Firm

Atlanta wage garnishment attorney Matthew Cherney of Cherney Law Firm can stop your wage garnishment immediately. If you live in the Atlanta area and creditors are garnishing your wages or they are threatening to garnish your wages, Cherney Law Firm can stop it.  By filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy you will immediately get relief from wage garnishment.

Cherney Law Firm has been helping his clients fight wage garnishment in Georgia for over 8 years. With 3 offices in the Atlanta area, there is a convenient location for you to choose from. 

Free Consultation

If you are unsure if bankruptcy is right for you, the best thing to do is to schedule a free consultation. Call us at 770.485.4290 or fill out our contact form at the bottom of this page.  We can meet in any of our Atlanta Area offices and Mr.Cherney will be happy to discuss your wage garnishment situation.

Don’t Ignore Wage Garnishment

Chances are that you are receiving phone calls and letters about the debt that you owe. Instead of ignoring all of these calls and letters, it is always best to speak with your creditors to see if there are alternatives that can be worked out. Communication is the key.

Wage Garnishment Laws in Georgia

In order for a collection of Involuntary wage garnishment in Ga, the debt collector must have the right of garnishment. There are two types of wage garnishment types, court ordered or non court ordered.

Court Ordered wage garnishment

In a court ordered wage garnishment, the debt collector files a suit in court to collect a judgment against the debtor. If successful, they can legally garnish your wages or your bank account. You can and should appear in court to defend yourself if you believe that you do not owe the debt.

Non-Court Ordered

There are circumstances when a court ordered judgment is not necessary for garnishment in Atlanta Georgia.

  • Student Loans
  • IRS Debt (Taxes)
  • Child Support

Can A Creditor Legally Garnish my Wages in Georgia?

Wage Garnishment is Legal In Atlanta Georgia

Is Wage garnishment legal? In Atlanta, Georgia. much like most cities in the USA, The answer to that question is yes. Your creditors can legally require your employer to with hold up to 25% of your wages (in some case more) but they must first get a court order to do it. They will send you a notice that to appear in court and whether you appear or not, the court can make a judgment against you.

How to Stop Wage Garnishment in Georgia

The ideal situation would be to contact Atlanta wage garnishment attorney to help you before a garnishment has been ruled against you. Attorney Matthew Cherney can then try and do debt negotiation for you with your creditor. If this does not work, filing bankruptcy before the order against you will stop the moment that you file. That means that the creditor can no longer proceed to try and get a wage garnishment or try to collect the debt that you owe.

One other reason that is very important to some people to stop a wage garnishment before a court grants it is because by stopping it before it happens, you employer will never find out. Once a creditor is granted a judgment against you, they will send a notice to your employer with forms and guidelines about the wage garnishment judgment against you.

It is important to note that even if you are already having your wages garnished, we can help. Unfortunately, this is the situation that a majority of our clients find themselves in. We will stop it immediately and come up with a plan to end your debt problems and give you a brand new start.

Stop Wage Garnishment in Marietta Ga

In Addition to Atlanta, Cherney Law Firm has worked with thousands of clients in Marietta, Ga. In fact, the first office that we opened is still located in Marietta and we now serve several communities in the Atlanta/Marietta area.

Other Areas we Serve:



Read our Testimonials

Finding a knowledgeable and experienced Atlanta wage garnishment attorney is very important because you need someone who understands wage garnishment law in Georgia. At Cherney Law Firm, all we do is bankruptcy and everything related to debt negotiation and wage garnishment. Feel free to read our testimonials  and read our Google reviews. We are very proud to be one of the best reviewed in the Atlanta area.

How Much Does an Atlanta Wage Garnishment Attorney Cost?

We offer a FREE CONSULTATION to all of our clients so you can see for yourself that Cherney Law Firm has the experience and knowledge to help you. We will explain to you what will happen if you choose to use our services or not. Every situation is unique, so we do not have a one price fits all model. It will all depend on what service we provide to help you. Whatever service we do provide, we will offer you a monthly payment. plan.

Georgia Wage Garnishment FAQs

Can my wages be garnished for child support is Georgia?

In the state of Georgia, a court ordered child support comes with automatic income withholding's. Child support garnishments can be up to 50% and even more can be added on if there are arrears.

Can a credit card company garnish my wages in Georgia?

Your credit card company must file a lawsuit in the state of Georgia and win a judgment against you in order to garnish your wages. Once the judgment is made against you, they can garnish your wages or your bank account.

Can my wages be garnished for missed car payments?

If you are late on car payments, your lender will repossess your car if you do not continue to make payments. Once the car is repossessed the lender will sell your car, usually at an auction. If your lender sells the car for less that you actually owed, the difference becomes what is called a deficiency amount. If there is a deficiency amount, your lender can sue you to get a judgment for the deficiency amount in a court of law. If they are successful, they can legally garnish your wages or bank account.

Can my wages be garnished for taxes in Georgia.

The IRS does not need a court order to levy your wages, your bank account or seize your assets in the state of Georgia. A tax levy will be filed against you and you will have 30 days to appeal it. If you do not appeal it OR you lose your appeal, the IRS will use it's levy powers to collect any debt owed to them , A tax levy will stay on your credit report for 7 years, even if you have satisfied the debt.

Can a landlord garnish my wages for rent?

If your landlord is able to get a court judgment, they will be able to garnish your wages or your bank account. They must file a suit against you in the court of law and win. You will be notified and have a chance to defend yourself in court if you think that you do not owe the debt. If you fail to appear, the landlord will most likely win the judgment against you.

Wage Garnishments and Bankruptcy

If you are considering filing either a Chapter 7 or Chapter 13 Bankruptcy, it is important to understand what happens to any current wage garnishment that you may have. A wage garnishment is a court order that enables a creditor to take money out of your paycheck. Once a wage garnishment starts, it is difficult to stop. Bankruptcy is an effective method to stop a wage garnishment. For most types of debts, either a Chapter 7 or a Chapter 13 filing will immediately stop a wage garnishment. Many people consider filing bankruptcy solely because of a wage garnishment.

There are many different types of wage garnishments

Some of the most common types include: child support, alimony, income tax debt, student loan debt (federal and private) and judgment creditors (such as banks and credit card companies). Each type of wage garnishment has different rules that apply, and these rules are affected differently by a bankruptcy filing. Most of these rules are specific to your state of residency.
Each type of wage garnishment has different rules that apply, and these rules are affected differently by a bankruptcy filing. Most of these rules are specific to your state of residency.

A bankruptcy filing, whether a Chapter 7 or Chapter 13, puts an immediate stop to most wage garnishments

This is called the “automatic stay.” This stays in place for the duration of your bankruptcy case (or until further order of the bankruptcy court), which can last up to 5 years, depending on the type of bankruptcy that you file. A Chapter 7 will generally eliminate the debt completely.

A Chapter 13 may require you to pay the debt back, or a portion thereof, pursuant to a Chapter 13 plan. No matter the chapter of bankruptcy, once you receive a discharge, you will no longer have any of your wages garnished for that particular discharged debt.

Another thing to realize is that if you are unable to pay current debts and obligations, filing for bankruptcy may prevent a wage garnishment from ever starting in the first place. Meeting with a qualified Atlanta area bankruptcy and wage garnishment attorney can help you assess your situation to see if this would be a good idea for you. An attorney can help to determine the options that best suit your needs, and help guide you through the process for the best possible outcome.

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