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!