Board-certified in consumer bankruptcy Admitted to the U.S. Supreme Court bar Practicing in Georgia since 1991 40+ reported court decisions, 1995 to 2026 Cases that helped shape Georgia consumer-protection law Artist · Beekeeper · Animal rescuer
1991
Admitted to the State Bar of Georgia
2007
Board-certified in consumer bankruptcy
5
Courts admitted to practice before
75%
Of her practice focused on bankruptcy
40+
Reported court decisions, 1995 to 2026
Angela McElroy-Magruder at the firm

About Angie

She knows this work, and she does not back down.

Angie has spent her career standing between Georgia families and creditors that are trying to overwhelm them. Bankruptcy has been the center of her work for decades. She knows the law, knows the courts, and understands how fast one bad notice can put a home or paycheck at risk.

Angie has been Board Certified in Consumer Bankruptcy Law by the American Board of Certification since 2007. She was the first attorney in Augusta, Statesboro and Dublin to earn that certification. Today she helps clients at all three offices use Chapter 7 or Chapter 13 to protect what they can and move forward.

Plenty of lawyers file bankruptcy cases. Angie litigates them. She has gone toe to toe with some of the country's biggest mortgage companies, banks and debt buyers when they pushed Georgia families too far, and her cases have made the law books more than 40 times since 1995.

In 2024, a bankruptcy trustee tried to take away a client's doubled Georgia homestead exemption. Angie fought the objection and won. The court agreed that her client could keep the full exemption. In another case, a used-car dealer refused to return a client's repossessed car after he filed bankruptcy. Angie took the dealer to court and won a $7,300 judgment for her client.

Bankruptcy75%
Consumer litigation25%

About half of her overall practice is devoted to litigation.

Credentials

Education, admissions and certification.

Education

  • Mercer University, Walter F. George School of Law, Macon, GA. J.D., 1991.
  • Georgia College, Milledgeville, GA. B.A., Honors Graduate. Double major in English and Art History.

Bar Admissions

  • Georgia, 1991
  • U.S. District Court, Southern District of Georgia, 1992
  • U.S. Court of Appeals, 11th Circuit, 1992
  • U.S. Supreme Court, 1992
  • Georgia Court of Appeals, 1992

Certification

  • Board Certified Specialist in Consumer Bankruptcy Law, American Board of Certification, since 2007.
  • Member, American Bankruptcy Institute.
  • The first local attorney to hold this certification.

Track record

Representative cases.

Angie's reported cases stretch from 1995 through 2026. They include fights with JPMorgan Chase, Countrywide, GMAC, Washington Mutual and other national lenders on behalf of Georgia families. The twelve below are a sample. Browse the complete record of 40+ published decisions

Sys. & Servs. Techs. v. Davis (In re Davis) 11th Cir.
314 F.3d 567. U.S. Court of Appeals for the Eleventh Circuit, 2002. Angie represented the debtor in this published decision of the federal appeals court over Georgia, Florida and Alabama.
Meredith v. Antman (In re Antman) Ch. 13
665 B.R. 522. Bankr. S.D. Ga., Statesboro Division, 2024. Angie defeated the trustee's objection and protected her client's doubled Georgia homestead exemption.
Powell v. Shorty's Used Cars (In re Powell) Ch. 13
555 B.R. 907. Bankr. S.D. Ga., Dublin Division, 2016. Angie won a $7,300 judgment after a dealer refused to return her client's repossessed car following his bankruptcy filing.
Telfair v. First Union Mortgage Corp. (In re Telfair) Ch. 13
224 B.R. 243; affirmed, 216 F.3d 1333 (11th Cir. 2000). More than 25 years later, courts across the country still cite Angie's Telfair case on Chapter 13 mortgage issues.
Clark v. Washington Mutual Home Loans (In re Clark) Ch. 13
299 B.R. 694; 2003 Bankr. LEXIS 1414. Bankr. S.D. Ga., Augusta Division, 2003.
Beasley v. Sea Island Bank (In re Beasley) Ch. 13
2006 Bankr. LEXIS 5123. Bankr. S.D. Ga., Savannah Division, 2006.
Bryant v. Countrywide Home Loans, Inc. (In re Bryant) Ch. 13
2004 Bankr. LEXIS 1575. Bankr. S.D. Ga., Augusta Division, 2004.
Arsenault v. JP Morgan Chase Bank, N.A. (In re Arsenault) Ch. 13
456 B.R. 627; 2011 Bankr. LEXIS 3557. Bankr. S.D. Ga., Dublin Division, 2011.
Best v. GMAC Mortgage LLC (In re Best) Ch. 13
2012 Bankr. LEXIS 3064. Bankr. S.D. Ga., Statesboro Division, 2012.
Moore v. BAC Home Loan Servicing (In re Moore) Ch. 13
477 B.R. 918; 2012 Bankr. LEXIS 4069. Bankr. S.D. Ga., Dublin Division, 2012.
Daniel v. Wheeler County State Bank (In re Daniel) Ch. 13
2012 Bankr. LEXIS 2433. Bankr. S.D. Ga., 2012.
Bareford v. AAFES (In re Bareford) Ch. 13
2010 Bankr. LEXIS 3114. Bankr. S.D. Ga., Statesboro Division, 2010. Her client's case took on the Army & Air Force Exchange Service itself.
Martin v. CitiFinancial (In re Martin)
387 B.R. 307; 2007 Bankr. LEXIS 4596. Bankr. S.D. Ga., Statesboro Division, 2007.

See the full record, including her cases against the Georgia Department of Revenue and payday lenders

Leadership & involvement

A lawyer other lawyers learn from.

Associations & memberships

  • State Bar of Georgia, Consumer Section, former Vice President
  • State Bar of Georgia, Consumer Section, Member
  • National Association of Chapter 13 Trustees
  • American Bankruptcy Institute
  • National Association of Consumer Bankruptcy Attorneys
  • Judicial Advisory Board, Member

Teaching & speaking

  • Presenter, New Bankruptcy Rules, 2011, co-presented with the Hon. James D. Walker, Jr., United States Bankruptcy Judge. Georgia Bar Association.
  • Presenter, Domestic and Bankruptcy Law: Oil and Water. Georgia Bar Association.

Angie has taught bankruptcy and domestic-law topics to other Georgia attorneys, alongside the judges who decide these cases.

Author

Angie wrote The Consumer Financial Protection Bureau Changes the Name of the Game for Mortgage Lenders and Servicers for lawyers working through the new federal rules. The 36-page paper covers escrow errors, force-placed insurance and the information borrowers can demand from a mortgage servicer.

Beyond the courtroom

Artist, beekeeper, and the person who takes in the dogs nobody else will.

Angie is an artist, keeps honey bees, and has spent years helping neglected animals. She also served as vice president of the Richmond County Animal Control Board of Advisors.

Her home has quietly become a permanent sanctuary for the dogs no one else would take, the ones who were never going to find another home. She gave them one anyway, for good. It matters a great deal to the firm, and you may have met some of them in our television commercials.

Animal rescuer Richmond County Animal Control Board, former VP Artist Beekeeper

Meet the firm and the rescues

One of the rescued dogs Angie has given a forever home

Talk to Angie today

Put Angie's experience to work on your case.

Start with a free consultation with Angie or another attorney on her team. You can meet us in Augusta, Dublin or Statesboro. If you cannot come to us, ask about the mobile office. Evening and weekend appointments are available, and we accept most major credit cards.

Texting is the quickest way to reach us after hours or in an emergency. Never face it alone. Let Angie help.

Three convenient Georgia offices

Find the office nearest you.

Cannot get to us? We also bring a mobile office to you, and we are available evenings and weekends by appointment.

Questions?

Contact us for a free consultation today.

Tell us what is happening. We will call you back, keep the conversation private, and explain what comes next.

Send us a text for the quickest reply, after hours, or in an emergency.