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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.

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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.

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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.


Armor Law, LLC has represented numerous victims of identity theft and helped them reclaim their lives. We are experienced practitioners of consumer protection laws who know how to use the law effectively to help identity theft victims. We know how frustrating it can be to deal with endless phone calls and fight with fraudulent accounts, to struggle with anonymous voices in call centers who refuse to help you or simply do not believe your story. We use the law to fight back against these companies and get your life back on track.


There are very few attorneys in the entire state of Georgia who handle student loan issues on a regular basis. 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. If you have been served with a lawsuit, you may want to contact us to discuss your options.

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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. 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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P.O. Box 451328
Atlanta, GA 31145


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