Ms. Saedi is a partner at Saedi Law Group, where she concentrates her practice in all areas of bankruptcy, business, and tax law. Ms. Saedi offers clients quality legal services in all aspects of federal bankruptcy law, and is committed to providing personal attention and affordable solutions to each and every client’s financial obstacles. Prior to starting Saedi Law Group, LLC, Ms. Saedi was a founding partner of the consumer bankruptcy firm of Saedi & Wells, LLC for eight years. Prior to that Ms. Saedi worked as a corporate attorney representing technology companies on a variety of issues. Ms. Saedi was responsible for drafting corporate technology policies, preparing domestic and international license agreements and assisting companies with day to day counseling on all business related matters. Ms. Saedi has tried numerous matters before the bankruptcy courts in the Northern District of Georgia involving creditor actions to enforce foreclosure sales, debtor’s objections to creditor claims, motions for sanctions regarding creditor abuse and various other matters. Ms. Saedi has also been a lecturer on bankruptcy issues and speaks to community and corporate groups regarding debt management, bankruptcy and asset protection. Ms. Saedi is a member of the State Bar of Georgia, American Bankruptcy Lawyer Institute, and American Bar Association. She is a volunteer with the International Refugee Committee and the Special Olympics of Georgia.
Jurisdictions Admitted to Practice
Georgia
Since 2001
Professional Experience
2010 - Current
Saedi Law Group, LLC
Founding Member
2002 - 2010
Saedi & Wells, LLC
Partner
1999 - 2001
Morris, Manning, & Martin
Associate
Education
1997 - 2000
Emory University School of Law
J.D. (2000) | Law
Activities: Georgia Women Law Students Association Volunteer Legal Clinic
If a debt #collector files a lawsuit against you, a summons and #complaint will be delivered to your home. The summons notifies you of the hearing date for the case, while the complaint lists the charge. You have the right to file an answer to the complaint with the court listing your reasons for not #paying or denying any knowledge of the #debt.
Don't Wait for the Lawsuit to Turn into a Judgment
How Bankruptcy Can Stop a Lawsuit and Remove a #Judgment
Filing for bankruptcy protection will stop collection lawsuits from continuing against you. In addition, bankruptcy will terminate garnishments as to wages earned after the filing of the bankruptcy.
Wages earned before the filing may be recoverable from the sheriff or the creditor if those wages would otherwise have been exempt.
Consultations are always free at Saedi Law Group. Call us TODAY at 404-889-8665 and set up a time to review your current financial picture with an experienced bankruptcy lawyer to find out what options are available to you.
📅 SCHEDULE A FREE PHONE/VIDEO CONFIDENTIAL CONSULTATION WITH A GEORGIA BANKRUPTCY LAWYER: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📗FREE GUIDE TO DEALING WITH DEBT IN GEORGIA: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📘 FREE GUIDE TO EVICTIONS IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-evictions-in-georgia/
📘 FREE GUIDE TO FORECLOSURE IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-foreclosure-in-georgia/
TOP GEORGIA BANKRUPTCY LAWYERS
Saedi Law Group are experienced Atlanta bankruptcy lawyers who have been helping Georgians file for bankruptcy for over 19 years. We have filed thousands of bankruptcy cases here in Georgia and are in court every day fighting for our client's rights against creditors.
If you are currently struggling with overwhelming debt, or feel your financial situation will be severely stressed in the coming weeks, now is the best time to start looking at all options available to you. Saedi Law Group offers a free, no obligation consultation with an experienced attorney (not a paralegal) who will review your specific situation and advise you about your options for moving forward.
Our team is passionate about our work and we take it very seriously. It is a privilege to help clients and their families in times like these. Bankruptcy was created for this purpose. Please contact us today at (404) 919-7296 or info@saedilawgroup.com to learn about what you can do to protect your future. #bankruptcy #lawyer #attorney #Georgia #Atlanta #lawgirlboss #chapter13 #chapter7
Dealing with tax #debt is not fun but believe it or not you may in some circumstances be able to get rid of your tax #liability in bankruptcy. Speak with a bankruptcy lawyer in your area to find out what options are available.
http://saedilawgroup.com
Questions? Schedule a FREE consultation online today: http://saedilawgroup.com/the_bankruptcy_process/
With home prices at record lows and foreclosures at record highs, many homeowners are facing the fact that their home is worth substantially less than what is owed on the mortgage. There are two areas where homeowners can use a bankruptcy filing to remain in their homes -- one, when they are behind on payments and need time to get caught up, and two, to remove a second mortgage or home equity line of credit from their home.
REMOVING JUNIOR MORTGAGES Wouldn’t it be nice if you could remove your second mortgage and pay it off as an unsecured debt for pennies on the dollar?
With home prices at record lows and foreclosures at record highs, many homeowners are facing the fact that their home is worth substantially less than what is owed on the mortgage. Many of these homeowners that feel trapped in a home that is “upside down,” are making the difficult decision to walk away from their properties. There are two areas where homeowners can use a chapter 13 bankruptcy filing to remain in their homes – one, when they are behind on payments and need time to get caught up, and two, to remove a second mortgage or home equity line of credit from their home.
Lien Stripping in Chapter 13
“Lien stripping” refers to the process of reducing a secured claim to the value of the underlying collateral. It uses the combined effect of 11 U.S.C.A. § 506(a) and 11 U.S.C.A. § 506(d) to bifurcate the lien into secured and unsecured. The secured lien is allowed in the amount up to the fair market value of the property at the time of the stripping. The balance of the lien, which exceeds the fair market value of the property, is now deemed unsecured.
Liens can be stripped off of the debtor’s assets in Chapter 11 or Chapter 13 when there is not enough equity in the assets. Section 506(a) and 506(d) of the Bankruptcy Code acknowledges that a lien is only a secured claim to the extent there is value in the asset to which it attaches. To the extent that the claim exceeds the value of the collateral, that portion of the lien is now unsecured. The most common application of lien stripping is the reduction of car loan liens to the present value of the vehicle however it is currently used more often with home mortgages in bankruptcy situations. Lien stripping with car loans has been limited to vehicles purchased over 910 days.
Contact us today at 404-919-7296 or fill in the contact information below to explore your options.
http://saedilawgroup.com
Questions? Schedule a FREE consultation online today: http://saedilawgroup.com/the_bankruptcy_process/
What can you expect after filing for bankruptcy? Your rebound time to good credit is probably not as long as you think. Most clients can purchase #homes again after 24 months coming out from bankruptcy. Car companies are ready to lend to you as soon as you receive your #discharge.
If you’ve recently filed for bankruptcy, you might still be feeling the sting of losing whatever credit standing you had. Keep your chin up. There is hope. The most important thing you can do right now to rebuild your credit after bankruptcy is to make your bankruptcy #payments in full and on time and stay focused on rebuilding your credit #score.
📅 SCHEDULE A FREE PHONE/VIDEO CONFIDENTIAL CONSULTATION WITH A GEORGIA BANKRUPTCY LAWYER: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📗FREE GUIDE TO DEALING WITH DEBT IN GEORGIA: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📘 FREE GUIDE TO EVICTIONS IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-evictions-in-georgia/
📘 FREE GUIDE TO FORECLOSURE IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-foreclosure-in-georgia/
TOP GEORGIA BANKRUPTCY LAWYERS
Saedi Law Group are experienced Atlanta bankruptcy lawyers who have been helping Georgians file for bankruptcy for over 19 years. We have filed thousands of bankruptcy cases here in Georgia and are in court every day fighting for our client's rights against creditors.
If you are currently struggling with overwhelming debt, or feel your financial situation will be severely stressed in the coming weeks, now is the best time to start looking at all options available to you. Saedi Law Group offers a free, no obligation consultation with an experienced attorney (not a paralegal) who will review your specific situation and advise you about your options for moving forward.
Our team is passionate about our work and we take it very seriously. It is a privilege to help clients and their families in times like these. Bankruptcy was created for this purpose. Please contact us today at (404) 919-7296 or info@saedilawgroup.com to learn about what you can do to protect your future. #bankruptcy #lawyer #attorney #Georgia #Atlanta #lawgirlboss #chapter13 #chapter7
IN GEORGIA, ALMOST ALL FORECLOSURES ARE NON-JUDICIAL, WHICH MEANS THE #MORTGAGE COMPANY DOES NOT NEED TO TAKE YOU TO #COURT IN ORDER TO FORECLOSE!
Receiving a foreclosure notice can be scary and traumatic. Filing bankruptcy will stop foreclosure, regardless of which type of bankruptcy you file. However, the depending on what chapter of bankruptcy you file will determine whether the foreclosure is stopped temporarily or permanently.
Chapter 13 bankruptcy can permanently stop a foreclosure. To qualify to stop a foreclosure in a Chapter 13, you must have enough income to pay mortgage payments after your filing date, in addition to a bankruptcy payment that will include mortgage #arrears, homeowner association #fees, car #payments, and a portion of #debt owed to unsecured #creditors, such as credit #card or medical #bills. For example, if you are 4 months behind on your mortgage, you must have the income to pay for the regular mortgage payment going forward, plus the 4 months you are behind, spread out over a 36 or 60 month period.
Chapter 7 bankruptcy will stop a foreclosure, but only temporarily. If your mortgage payments are behind and you file a Chapter 7, it is highly likely that you will ultimately lose the house unless you can pay back all the arrears before the Chapter 7 ends. Since Chapter 7 #bankruptcy usually only lasts between 4 to 6 months, there is a very short amount of time to pay back arrears. However, if your goal is to simply slow down the #foreclosure process, rather than completely eliminate it, Chapter 7 will accomplish that goal.
Loan modifications can save your home from foreclosure. However, in our experience, loan modifications occur infrequently, and often provide little help even when granted. Many times, families are turned down for loan #modifications because they lack the income needed to #pay even a reduced mortgage. Filing bankruptcy can aid in obtaining #modifications, since bankruptcy reduces the amount of money paid to other creditors. Also, removing second mortgages in bankruptcy can have a similar effect, freeing up cash that can instead be applied to the First Mortgage.
Saedi Law Group has been helping people save their homes for over a decade. Don't wait until it is too late to find our what options are available if you are having trouble paying your mortgage. Every consultation is free and confidential. We have ten offices is Georgia and offer evening and weekend appointments. We also now offer video consultations to allow clients to meet with any attorney from the comfort of their home or office.
📅 SCHEDULE A FREE PHONE/VIDEO CONFIDENTIAL CONSULTATION WITH A GEORGIA BANKRUPTCY LAWYER: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📗FREE GUIDE TO DEALING WITH DEBT IN GEORGIA: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📘 FREE GUIDE TO EVICTIONS IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-evictions-in-georgia/
📘 FREE GUIDE TO FORECLOSURE IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-foreclosure-in-georgia/
TOP GEORGIA BANKRUPTCY LAWYERS
Saedi Law Group are experienced Atlanta bankruptcy lawyers who have been helping Georgians file for bankruptcy for over 19 years. We have filed thousands of bankruptcy cases here in Georgia and are in court every day fighting for our client's rights against creditors.
If you are currently struggling with overwhelming debt, or feel your financial situation will be severely stressed in the coming weeks, now is the best time to start looking at all options available to you. Saedi Law Group offers a free, no obligation consultation with an experienced attorney (not a paralegal) who will review your specific situation and advise you about your options for moving forward.
Our team is passionate about our work and we take it very seriously. It is a privilege to help clients and their families in times like these. Bankruptcy was created for this purpose. Please contact us today at (404) 919-7296 or info@saedilawgroup.com to learn about what you can do to protect your future. #bankruptcy #lawyer #attorney #Georgia #Atlanta #lawgirlboss #chapter13 #chapter7
Ready to fight your #debt? Find out how Saedi Law Group can stop creditors immediately and let you get your financial life back TODAY! Saedi Law Group has been helping #Georgia consumers for over a decade. We have helped thousands of people eliminate their debt and rebuild their #financial life. We offer free consultations at all of our 10 office locations.
http://saedilawgroup.com
Questions? Schedule a FREE consultation online today: http://saedilawgroup.com/the_bankruptcy_process/
Expert Atlanta bankruptcy attorney Lorena Saedi discusses Chapter 7 and 13 options as well as ways to deal with #lawsuits, homes that are underwater, and #tax problems.
📅 SCHEDULE A FREE PHONE/VIDEO CONFIDENTIAL CONSULTATION WITH A GEORGIA BANKRUPTCY LAWYER: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📗FREE GUIDE TO DEALING WITH DEBT IN GEORGIA: https://georgiabankruptcylawgroup.com/schedule-free-consultation-with-atlanta-bankruptcy-attorney/
📘 FREE GUIDE TO EVICTIONS IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-evictions-in-georgia/
📘 FREE GUIDE TO FORECLOSURE IN GEORGIA: https://georgiabankruptcylawgroup.com/guide-to-foreclosure-in-georgia/
TOP GEORGIA BANKRUPTCY LAWYERS
Saedi Law Group are experienced Atlanta bankruptcy lawyers who have been helping Georgians file for bankruptcy for over 19 years. We have filed thousands of bankruptcy cases here in Georgia and are in court every day fighting for our client's rights against creditors.
If you are currently struggling with overwhelming debt, or feel your financial situation will be severely stressed in the coming weeks, now is the best time to start looking at all options available to you. Saedi Law Group offers a free, no obligation consultation with an experienced attorney (not a paralegal) who will review your specific situation and advise you about your options for moving forward.
Our team is passionate about our work and we take it very seriously. It is a privilege to help clients and their families in times like these. Bankruptcy was created for this purpose. Please contact us today at (404) 919-7296 or info@saedilawgroup.com to learn about what you can do to protect your future. #bankruptcy #lawyer #attorney #Georgia #Atlanta #lawgirlboss #chapter13 #chapter7
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