Law Offices of Collins & Lamore: Protecting Your Rights in Debt Negotiation
If the Law Offices of Collins & Lamore have contacted you regarding a debt, it’s important to understand your legal options. Below, we explore how to negotiate a reduced settlement with a debt collection law firm and what to do if a debt collector sues you for the wrong amount.
💼 How to Negotiate a Reduced Settlement with a Debt Collection Law Firm
💡 Assess Your Financial Situation – Before negotiating, review your income, expenses, and debt obligations. Having a realistic settlement offer in mind will strengthen your position.
📞 Communicate in Writing – Always request settlement terms in writing to avoid verbal misunderstandings. This also ensures the firm cannot change the agreed-upon terms later.
💰 Start with a Lower Offer – Debt collection law firms typically purchase debt for much less than the original balance. Start your offer at 30-40% of the total amount to leave room for negotiation.
⚖️ Know Your Legal Protections – Debt collectors cannot misrepresent the amount owed or threaten unlawful actions. If you suspect misconduct, check what debt collectors are legally allowed to do.
📝 Get the Agreement in Writing – If you reach a settlement, request a written agreement confirming:
- The settlement amount and payment terms
- That the remaining balance will be forgiven
- How the debt will be reported on your credit
If you need help with negotiations, learn how to fight a collection agency to protect your rights.
⚠️ What to Do If a Debt Collector Sues You for the Wrong Amount
🕵️ Demand Proof of the Debt – If a law firm sues you for an incorrect amount, request a full breakdown of the charges, including:
- The original debt amount
- All interest, fees, and penalties
- Proof of debt ownership
⚠️ Identify Overcharges or Errors – Debt collection law firms sometimes add extra fees or incorrect interest calculations. Cross-check the claim against your records to dispute any inaccuracies.
📆 Respond to the Lawsuit on Time – Ignoring a debt lawsuit can lead to a default judgment, allowing the firm to garnish wages or seize assets. Learn what to do if sued by a collection agency.
🚨 Challenge Expired Debts – If the statute of limitations has passed, the firm cannot legally sue you. Check how many years a debt collector can pursue you to see if you can have the case dismissed.
📍 Contact Information for Law Offices of Collins & Lamore
- Address: 7777 Center Avenue, Suite 207, Huntington Beach, CA 92647
- Phone: (714) 890-9800
- BBB Profile: Law Offices of Collins & Lamore
📞 Protect Your Rights with Professional Legal Assistance
If you’re struggling with aggressive debt collection tactics, Consumer Rights Law Firm PLLC is here to help. Call 877-700-5790 or contact us now for a free case review.
Disclaimer: This content is for informational purposes only and does not constitute legal advice.