Understanding Your Options When Contacted by the Law Office of Russell J. Thomas, Jr.
If you’ve been contacted by the Law Office of Russell J. Thomas, Jr. about an unpaid debt, it’s essential to understand your legal rights and negotiation options. Debt collection law firms often pursue aggressive tactics, but you have protections under federal law. Knowing how to verify the debt and negotiate a fair settlement can prevent costly mistakes.
📍 Contact Information for Law Office of Russell J. Thomas, Jr.
- Address: 6065 Roswell Road NE, Suite 880, Atlanta, GA 30328
- Phone: (404) 255-2200
For accurate details, check their Yelp reviews.
🔹 How to Verify a Debt Before Paying
Before making any payments, confirm that the debt is valid and legally enforceable. Debt collectors must provide proof upon request, and if they cannot, they cannot legally collect the debt.
1. Demand a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter from the collector. This letter should include details about:
- The original creditor
- The amount owed
- Proof that they have the legal right to collect the debt
If they fail to provide this information, you may not be obligated to pay.
2. Check the Statute of Limitations
Not all debts can be legally enforced. If the statute of limitations has expired, the collector cannot sue you for the debt. Learn more about how long collectors can pursue a debt before making any commitments.
🔹 Debt Negotiation Strategies That Work
If the debt is legitimate and within the statute of limitations, you may be able to negotiate a better repayment arrangement.
1. Settle for Less Than You Owe
Many creditors prefer to receive a portion of the debt rather than nothing at all. You can negotiate a debt settlement where you pay less than the full amount owed. Before agreeing to a settlement, make sure:
- The agreement is in writing
- The collector reports the debt as “settled” to credit agencies
- You fully understand the terms
2. Negotiate a Payment Plan
If you cannot afford a lump-sum settlement, propose a structured payment plan with smaller, more manageable payments. Be sure that:
- The terms are clear and put in writing
- The collector agrees to stop legal action while payments are made
- No additional fees or interest are added unfairly
Negotiating the right terms can help protect your finances while resolving your debt.
📞 Get Legal Help Before Settling
If the Law Office of Russell J. Thomas, Jr. is pursuing you for a debt, you have options. Call Consumer Rights Law Firm PLLC at 877-700-5790 or visit our Contact Us page for a free consultation. We’ll help you understand your rights and negotiate the best possible outcome.