Facing Debt Collection from Gordon & Wong Law Group PC? Here’s What You Need to Know
If Gordon & Wong Law Group PC has contacted you about an outstanding debt, understanding your rights and options is crucial. Dealing with debt collection agencies can be overwhelming, but you don’t have to navigate it alone. Below, we’ll break down who Gordon & Wong Law Group PC is, your legal rights, and how to negotiate your debt effectively.
🏢 Who Is Gordon & Wong Law Group PC?
Gordon & Wong Law Group PC is a California-based law firm that specializes in debt collection and creditor representation. They work on behalf of creditors to recover outstanding debts, and their practices may include sending demand letters, making collection calls, and even filing lawsuits against consumers.
📌 Contact Information:
- 📍 Address: 1485 Treat Blvd, Suite 102, Walnut Creek, CA 94597
- 📞 Phone: (877) 275-4979
Visit their website and BBB profile here.
⚖️ Can You Negotiate Your Debt with Gordon & Wong Law Group PC?
Many people assume that once a law firm is involved, negotiation is off the table—but that’s not always true. Debt negotiation can be a powerful tool in reducing what you owe and avoiding legal action. Here’s how:
🔹 Option 1: Offer a Lump-Sum Settlement
Creditors often accept less than the full amount if you can pay a lump sum. Typically, settlements range between 40-60% of the original balance. Before making an offer:
- Request a debt validation letter to confirm the debt is accurate.
- Determine how much you can realistically pay upfront.
- Negotiate in writing to ensure proper documentation.
💡 Pro Tip: If Gordon & Wong Law Group PC agrees to a reduced settlement, get the agreement in writing before making any payments.
🔹 Option 2: Set Up a Payment Plan
If a lump sum isn’t feasible, negotiate a structured repayment plan instead. Key points to discuss:
- Lower monthly payments that fit your budget.
- Waiving or reducing interest and late fees.
- Avoiding a negative impact on your credit score.
🔗 Learn more about handling debt collectors effectively.
🛑 Common Debt Collection Violations You Should Watch For
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors CANNOT:
- Call you before 8 AM or after 9 PM without permission.
- Threaten you with jail time or legal action they don’t intend to take.
- Use abusive or harassing language.
- Contact your employer or family members about your debt.
If you experience any of these violations, you may be entitled to file a lawsuit against Gordon & Wong Law Group PC for damages.
🔗 What to do if a debt collector harasses family members.
💰 Is Debt Settlement Right for You? Pros & Cons
Debt settlement is not for everyone. While it can reduce the amount you owe, it also comes with risks. Let’s break it down:
✔️ Pros:
Reduce Your Total Debt: Creditors may accept less than the full balance.
Avoid Lawsuits: Settling can prevent a collection lawsuit.
Lower Stress: Eliminating debt collectors’ calls brings peace of mind.
❌ Cons:
Credit Score Impact: Settled debts appear as “Paid – Settled,” which can hurt your credit.
Potential Tax Consequences: The IRS may consider forgiven debt as taxable income.
Scams: Be wary of debt settlement companies that charge high fees upfront.
🔗 Is debt settlement worth it?
⚠️ What to Do If You’re Sued by Gordon & Wong Law Group PC
If you’ve received a court summons from Gordon & Wong Law Group PC, take immediate action:
DO NOT ignore the lawsuit—failure to respond can lead to a default judgment.
Review the lawsuit carefully—check for errors or outdated information.
Contact a debt defense attorney—they can help you fight back or negotiate a settlement.
🔗 What to do if you’re served a summons for a debt.
📢 How Consumer Rights Law Firm PLLC Can Help
At Consumer Rights Law Firm PLLC, we fight against unfair debt collection practices and provide legal defense for consumers. If you’re dealing with harassment, inaccurate debt claims, or a lawsuit, we can help you:
Dispute inaccurate debt claims.
Stop harassing calls from debt collectors.
Negotiate a fair settlement or fight unfair lawsuits.
Take legal action if your rights were violated.
📞 Get a Free Consultation Today: Call us at (877) 700-5790.
💡 Take Action Now! If you get sued by this law firm, don’t wait. Know your rights, explore debt negotiation options, and take control of your financial future. Call (877) 700-5790 today!