Law Office of John P. Graves, LLC: Debt Settlement & Legal Defense
If the Law Office of John P. Graves, LLC has contacted you regarding a debt collection lawsuit, you must take immediate action. Ignoring a lawsuit can lead to wage garnishment, frozen bank accounts, or liens on your property. Understanding your rights and exploring debt settlement options can help you protect your financial future.
Contact Information for Law Office of John P. Graves, LLC
- 📌 Address: 113 Washington Street, Morristown, NJ 07960
- ☎️ Phone: (973) 566-5886
- 🌐 Website
- 👤 BBB Profile
Check out their Avvo profile for client reviews and more information.
How to Negotiate a Debt Settlement Before It Goes to Court
Settling a debt before it reaches the courtroom can prevent legal consequences and financial damage. Here’s how you can approach it:
Steps to Settle Your Debt Early
- 👉 Review your debt details – Confirm the amount owed, the original creditor, and whether the debt is within the statute of limitations. Learn more: How many years can a debt collector come after you?
- 👉 Offer a lump sum or payment plan – Many collectors prefer a one-time payment, but structured plans can also work.
- 👉 Get the agreement in writing – Before making any payments, ensure that the collector provides a written settlement offer.
Benefits of Settling Early
- ➡️ Avoiding a lawsuit and potential judgment against you.
- ➡️ Reducing the total debt owed through negotiation.
- ➡️ Preventing credit damage that comes from legal action.
If the Law Office of John P. Graves, LLC is pursuing you for a debt, consider seeking professional legal guidance to help with your settlement negotiations.
What to Do If a Debt Collector Rejects Your Settlement Offer
Debt collectors don’t always accept initial settlement offers. If your proposal is rejected, don’t panic—there are still options.
Why Debt Collectors Reject Offers
- ✅ The offer is too low compared to the amount owed.
- ✅ The creditor has strict policies on settlements.
- ✅ The debt is still generating high interest, making settlement less attractive to them.
Alternative Strategies After a Rejection
- ➤ Increase the offer – If possible, offer a slightly higher amount to reach a middle ground.
- ➤ Request a hardship-based reduction – If you’re experiencing financial hardship, provide documentation to support your case.
- ➤ Seek legal assistance – An attorney can negotiate on your behalf and push for a more favorable outcome.
Related Resource: How to fight a collection agency
Need Legal Help? Contact the Consumer Rights Law Firm PLLC
If you’re struggling with a debt lawsuit or settlement negotiations, professional legal help can make a difference.
Call the Consumer Rights Law Firm PLLC at☎️ 877-700-5790 for a free consultation and learn how to protect your rights.
You don’t have to face debt collectors alone—take action today!