How to Handle Debt Collection from the Law Office of Sharon L. Cusic
If the Law Office of Sharon L. Cusic has contacted you regarding a debt, it’s crucial to understand your rights and options. Debt collection law firms often use aggressive tactics, but knowing how to dispute inaccurate debt claims and negotiate favorable repayment terms can help protect your finances.
📍 Contact Information for Law Office of Sharon L. Cusic
- Address: 2000 W Galena Blvd, Suite 202, Aurora, IL 60506
- Phone: (630) 844-2122
For further details, check their Yelp reviews.
🔹 How to Dispute an Inaccurate Debt Claim
If you believe a debt is incorrect or fraudulent, you have the right to dispute it before making any payments.
1. Request a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), collectors must provide written proof of the debt, including:
- The creditor’s name and original account details
- The total amount owed and a breakdown of charges
- Proof that the collector has the right to pursue payment
If they fail to provide this, they cannot legally collect the debt.
2. File a Formal Dispute
Once you receive the validation letter, review it for errors. If the debt is not yours, has already been paid, or includes incorrect charges, send a dispute letter within 30 days. While your dispute is pending, collectors must stop pursuing payment until they verify the debt.
Learn more about how to fight a collection agency to protect your rights.
🔹 Negotiating a Settlement to Reduce Your Debt
If the debt is valid, you can still negotiate better terms to lower the financial burden.
1. Offer a Lump-Sum Settlement
Collectors are often willing to settle for less than the full amount—sometimes 30% to 50% of the total balance. Before agreeing, ensure:
- The settlement is in writing
- The collector reports the debt as “settled” (not “unpaid”) to credit bureaus
- You understand the tax implications of settling for less
Explore debt negotiation strategies to maximize your savings.
2. Set Up a Manageable Payment Plan
If a lump sum isn’t an option, negotiate a payment plan with smaller monthly installments. Ensure that:
- The agreement is clear and documented
- There are no unexpected fees or interest rate hikes
- Payments are within your budget
Debt collectors prefer structured payments over non-payment, making this a viable option for resolving your debt.
📞 Take Action to Protect Your Rights
If the Law Office of Sharon L. Cusic is contacting you about a debt, don’t let them pressure you into a bad deal. Call Consumer Rights Law Firm PLLC at 877-700-5790 or visit our Contact Us page for a free consultation. We’ll help you challenge unfair debt claims and negotiate the best possible outcome for your situation.