Calls from Graham Newman, LLC?

Dealing with Graham Newman, LLC? Know Your Debt Negotiation Options

If Graham Newman, LLC has contacted you regarding an outstanding debt, you may feel overwhelmed. Whether you’re facing collection calls, legal threats, or even a lawsuit, it’s important to understand your rights and options before making any decisions.

In this guide, we’ll cover who Graham Newman, LLC is, debt negotiation strategies, and your legal protections under the Fair Debt Collection Practices Act (FDCPA).

🏢 Who Is Graham Newman, LLC?

Graham Newman, LLC is a law firm that handles debt collection on behalf of creditors. Their practice may include:

Sending collection notices and demand letters.
Contacting consumers by phone to demand payment.
Filing lawsuits against consumers over unpaid debts.

Since debt collection law firms have legal authority to file lawsuits, it’s essential to handle any communication from them carefully. Ignoring them could result in a default judgment against you, leading to wage garnishment or asset seizure.

📍 Contact Information:

📍 Address: 4500 Fort Jackson Blvd, Suite 250, Columbia, SC 29209
📞 Phone: (803) 233-7050
🔗 BBB Profile: Graham Newman, LLC BBB Page

Graham L. Newman is a partner at Chappell, Chappell & Newman, LLC, a law firm located in Columbia, South Carolina

💡 Debt Negotiation: Can You Settle for Less?

🔹 Option 1: Lump-Sum Settlement for Less

If you have access to a lump sum, you may be able to settle your debt for less than what you owe. Many creditors accept a 40-60% payment in exchange for full debt resolution.

To negotiate successfully:

Request a debt validation letter to ensure the debt is legitimate.
Offer a reasonable settlement and start lower than what you’re willing to pay.
Get everything in writing before making any payments.

🔗 How to fight a collection agency and protect your rights.

🔹 Option 2: Installment Plan Negotiation

If a lump sum isn’t an option, negotiate a structured repayment plan that works within your budget. When discussing a payment plan:

Ask for a lower monthly amount that you can afford.
Request that interest and fees be reduced or waived.
Make sure the agreement is in writing before sending any payments.

🔗 Do collection agencies file lawsuits?

⚠️ Know Your Rights: Debt Collector Violations

Even if you owe money, debt collectors must follow the law. Under the FDCPA, debt collection agencies CANNOT:

Threaten you with criminal charges or imprisonment.
Call before 8 AM or after 9 PM without permission.
Lie about the amount you owe or send fake legal documents.
Contact your family members to pressure you into paying.

If Graham Newman, LLC has engaged in any of these illegal practices, you may be able to take legal action against them.

🔗 Can a debt collector threaten to serve you with paperwork?

🏛️ What If Graham Newman, LLC Sues You?

If you receive a summons from Graham Newman, LLC, take immediate action:

DO NOT ignore it—this could lead to a default judgment.
Verify the lawsuit details—ensure the debt is correct and not past the statute of limitations.
Consult an attorney—a legal professional can help you respond properly.

🔗 Do collection agencies sue, and what to do if you’re sued?

🛑 How Long Can Graham Newman, LLC Chase Your Debt?

The statute of limitations on debt collection varies by state, but generally, creditors have between 3-10 years to take legal action. If your debt is past the statute of limitations, they cannot sue you—but they might still try to collect.

🔗 How many years can a debt collector come after you?

📢 How Consumer Rights Law Firm PLLC Can Help

At Consumer Rights Law Firm PLLC, we specialize in protecting consumers from unfair debt collection practices. If Graham Newman, LLC is harassing you, we can help you:

Stop aggressive collection tactics.
Dispute inaccurate or outdated debts.
Negotiate fair settlements or fight legal action.
Hold debt collectors accountable for FDCPA violations.

📞 Get a Free Consultation Today: Call (877) 700-5790 or visit our Contact Page.

🔗 Additional Resources

💡 Take Control of Your Debt! If Graham Newman, LLC has contacted you, know your rights and explore your debt negotiation options today. Call (877) 700-5790 now!