Atlanta Debt
Collection Attorneys
Georgia Debt Collection Attorneys Serving Businesses Statewide
No Collection, No Fee Options Available
Contingency fee arrangements are available for qualifying matters. Other fee arrangements may apply.
Why Hire Howe & Associates?
40+ Years of Experience
Since 1985 we have focused on debt collection and civil litigation for Georgia creditors - experience the other side respects.
150,000+ Claims Handled
More than 150,000 collection matters pursued and hundreds of millions of dollars recovered for Georgia creditors.
Available 24/7
Debts do not wait, and neither do we. We answer the phone around the clock and move on your case immediately.
Fee Options That Fit Your Claim
Most matters are handled hourly with a retainer. On qualifying claims we also offer contingency and hybrid arrangements, so your fee can be tied to what we recover.*
The Most Experienced Debt Collection Law Firm in Georgia
Howe & Associates is an Atlanta-based debt-collection and civil trial law firm that has helped Georgia creditors recover delinquent debts since 1985 - from bad checks and breach of contract to HOA fees, mechanic's liens, judgment domestication, and post-judgment garnishments. Across more than 150,000 collection matters, the firm has earned an AV Preeminent rating from Martindale-Hubbell, and founder Richard Howe is known as "the lawyer's lawyer." Start with a free, no-obligation case evaluation - and remember, you owe no attorney fees unless we recover your money.
Schedule a Consultation ›Debt Collection Services
Full-service recovery for creditors, businesses, and associations throughout Georgia.
Breach of Contract
Enforcing your agreements and collecting what your contracts entitle you to.
Debt Collection Lawsuit
Filing and pursuing collection lawsuits to recover what you are owed.
Judgment Collection
Enforcing judgments and turning them into recovered dollars.
Mechanic's Liens
Perfecting and enforcing liens so contractors and suppliers get paid.
Judgment Domestication
Enforcing out-of-state judgments against Georgia assets.
Garnishments
Wage and bank garnishment that recovers owed funds under Georgia law.
Property Liens
Placing and enforcing property liens that secure your judgment.
FIFA Foreclosure
Levy and sheriff sale proceedings that enforce your fi. fa. and collect.
Replevins
Recovering personal property and collateral through trover and replevin actions.
Bad Check Collection
Pursuing dishonored checks with the full remedies Georgia law allows.
HOA Fee Collection
Recovering unpaid association dues and assessments for HOAs.
Condo Fee Collection
Collecting delinquent condominium assessments and dues.
At Howe & Associates, we have focused our practice on effective debt-collection legal services for Atlanta businesses and individuals since 1985. Having handled over 150,000 debt-collection cases, our experience in debt-collection law is second to none. Our seasoned attorneys handle everything from demand letters to collection lawsuits to the most complex breach-of-contract jury trials.
*Most matters are handled on an hourly basis and require a retainer. Contingency and hybrid fee arrangements are available only for qualifying claims and depend on the type and value of the matter; all fee arrangements are set by written agreement. Georgia ethics rules require us to inform you that court costs and additional expenses of legal action usually must be paid by the client. Contingency attorney fees are not permitted in all types of cases; however, they are permitted in debt-collection cases.
Schedule a Consultation ›Real Clients. Real Collection Results.
Hear from businesses and clients who have worked with Howe & Associates to pursue unpaid obligations and resolve collection matters.
Ashleigh
Ashleigh describes, in her own words, what it was like to work with Howe & Associates on a collection matter for her practice.
Healthcare Collection Success Story
A healthcare client describes their own experience working with the firm on a collection matter, from first contact through resolution.
Individual client experiences. A testimonial is not a guarantee, warranty, or prediction of the outcome of any other matter. Every collection case turns on its own facts, the debtor’s assets, and applicable Georgia law.
“The firm of Howe and Associates has a wealth of experience in the collection arena. That expertise is one of the many reasons to send collection cases to this firm. The entire team is caring, attentive and willing to work hard to get your money. I highly recommend them!”
“I highly recommend this firm to anyone seeking legal advice. I was very confused with the entire process until Brad and Mr. Howe took the time to fully address all of my questions and explain the process from start to finish. I appreciated the consultation without any obligations. A+ overall.”
“I needed an attorney that would be on my side and get me what I deserve. I found that with Richard Howe and Associates. They were patient and made sure I received every penny. The staff was always there when I needed them. I am a little guy with a smaller claim, and it did not matter to them, I was just as important.”
Recognized. Respected. Relentless.
Featured Nationally
Named "Trial Law Firm of the Month" in Attorney At Law Magazine.
The Lawyer's Lawyer
Richard Howe teaches "Debt Collection from Start to Finish" for the National Business Institute.
AV Preeminent Rated
Martindale-Hubbell's highest rating for legal skill and ethical standards.
150,000+ Claims Handled
Recovered for Georgia creditors across four decades since 1985.
Featured On
Recent Results
We have litigated collection cases in every county in the State of Georgia since 1985, recovering hundreds of millions of dollars for Georgia creditors.
Recent Results
Representative collection matters handled by Howe & Associates.
Past results do not guarantee similar outcomes. Every matter is different and depends on its specific facts and circumstances.
Over 150,000 Debt Collection Claims Handled Since 1985
Offering credit is a vital part of sustaining and growing a business, and it can be the key to unlocking your company's full potential. Most of the time these arrangements work smoothly. But unforeseen circumstances can turn once-dependable clients into debtors, and when that happens, acting swiftly with experienced legal representation is essential.
Choosing the right debt-collection attorneys in Atlanta to uphold your rights and recover unpaid debts is one of the most critical decisions a business can make. For four decades, Howe & Associates has paired aggressive, results-driven collection strategy with a deep command of Georgia collection law, pursuing demands, lawsuits, garnishments, and property levies to turn judgments into real recovery.
When your cash flow and your legal rights are on the line, you want a firm that has done this more than 150,000 times, understands the local courts, and treats your money as if it were our own.
Contact Us ›Our Debt Collection Attorneys
Decades of Georgia collection and trial experience, working directly on your recovery.
How We Turn a Debt Into Dollars
From the first attorney demand letter to post-judgment garnishment, here is exactly how we recover what you are owed.
Start With a Free Case Evaluation ›Free Case Evaluation
Honest assessment, real-world options, and absolutely no obligation.
Demand & Documentation
We assemble contracts, credit applications, deeds to secure debt, and UCC liens, then issue an attorney demand.
Litigation If Needed
Lawsuit, discovery, and trial when a demand alone isn't enough.
Post-Judgment Recovery
Garnishments and property levies to actually collect what you're owed.
Frequently Asked Debt-Collection Questions
What's the difference between a collection attorney and an agency?
A collection agency can only ask for payment; a law firm can sue. Howe & Associates can file suit, obtain a judgment, and then enforce it through garnishment and property levies - remedies an agency simply doesn't have. For serious or disputed balances, an attorney's leverage often means faster, fuller recovery.
How do your legal fees work?
Most debt-collection matters are handled on an hourly basis with a retainer. On qualifying claims we also offer contingency and hybrid arrangements; where a matter is handled on contingency, you owe no attorney fees if we do not recover for you. You may still be responsible for court costs, which we explain up front. This keeps your risk low while we pursue the debt aggressively.
How quickly can you collect my debt?
Timelines vary with the debtor's assets and whether the debt is disputed, but speed matters - the older a debt gets, the harder it is to collect. Acting quickly, with proper documentation, gives you the best chance of full recovery. We move on cases immediately after your free evaluation.
What areas do you serve?
Howe & Associates serves creditors throughout metro Atlanta and the entire state of Georgia, from our Atlanta office.
Do I have to go to court?
In many collection matters, no - a large share resolve through demand and negotiation. If litigation is required, we handle the court process for you, from filing through trial and post-judgment collection.
Talk to an Atlanta Debt-Collection Attorney Today
Honest assessment, real-world suggestions, and absolutely no obligation. Serving metro Atlanta and all of Georgia.
Request a Free Case Evaluation
Your consultation includes an honest assessment, clear talk, and real-world suggestions - with no obligation.- ✓AV Preeminent RatedMartindale-Hubbell's highest rating for legal skill and ethical standards.
- ✓Collecting Since 1985Four decades of creditor-side debt collection and civil trial work in Georgia.
- ✓150,000+ Claims HandledHundreds of millions of dollars recovered for Georgia creditors.
- ✓Every County in GeorgiaWe have litigated collection cases statewide, not only in metro Atlanta.