Law Offices of Garwacki & Associates: Protecting Yourself in Debt Collection Cases
If the Law Offices of Garwacki & Associates have contacted you about a debt, you may feel overwhelmed. However, you have legal rights and options to protect yourself. Whether they are demanding payment or have already filed a lawsuit, knowing how to respond strategically can prevent financial hardship.
This guide explores how to stop aggressive collection tactics and the importance of reviewing settlement agreements carefully.
⚠️ Stopping Aggressive Debt Collection Tactics
Debt collectors and law firms must follow strict regulations when trying to recover a debt. If they violate these rules, you may be able to fight back.
📢 1. Recognize Illegal Debt Collection Practices
Under the Fair Debt Collection Practices Act (FDCPA), collectors cannot:
- Threaten lawsuits or wage garnishment without legal grounds
- Call excessively or contact you at inconvenient hours
- Lie about your debt amount or consequences of nonpayment
- Harass or intimidate you through aggressive language
If any of these occur, you may have legal grounds to file a complaint or take further action. Learn more about your rights.
📩 2. Send a Written Request for Debt Validation
Before paying anything, request written proof that you owe the debt. This should include:
✅ The original creditor’s name
✅ The total amount owed
✅ Proof that the collection agency has legal authority to collect
If they fail to verify the debt, you may not be responsible for paying it. Find out what debt collectors are legally allowed to do.
🚫 3. Cease and Desist Letter: When to Use It
If a collector harasses you, you can send a cease and desist letter demanding they stop all contact. However, this does not eliminate the debt. The firm may still file a lawsuit if you owe a legitimate balance.
📑 Reviewing Settlement Agreements Carefully
If you negotiate a settlement with Garwacki & Associates, ensure that the terms protect you from future legal or financial risks.
💰 1. Understand What You’re Agreeing To
Some settlements may include hidden fees or clauses that could cause problems later. Before signing, confirm:
- The total amount you’ll pay (ensure no undisclosed charges exist)
- How the settlement will be reported to credit agencies
- Whether the debt will be marked as “paid in full” or “settled”
A settled debt may still impact your credit, so discuss this with the creditor before agreeing. Learn how to handle settlement negotiations.
📜 2. Get Everything in Writing
Do not make payments based on a verbal agreement. The creditor must provide a written settlement letter outlining:
✅ The total settlement amount
✅ A payment deadline
✅ Confirmation that no further action will be taken after payment
Without this, the collector may still pursue the remaining balance. Find out what happens if you miss a court date.
🛑 3. Be Cautious About Debt Resurfacing
Some debt collectors resell unpaid balances to other agencies, leading to new collection attempts even after you’ve settled. To prevent this:
- Ensure the settlement agreement states the debt is fully resolved
- Keep records of all payment receipts
- Check your credit report to confirm the account is closed
🔗 Learn how long a debt collector can pursue you.
📞 Contact Information for Law Offices of Garwacki & Associates
- Address: 1811 South Alma School Road, Mesa, AZ 85210
- Phone: (480) 539-9400
- Yelp Profile
📢 Get Legal Help from Consumer Rights Law Firm PLLC
Debt collection firms don’t always follow the law, but you don’t have to face them alone. If Garwacki & Associates have contacted you, we can help you fight harassment, negotiate settlements, and protect your rights.
📞 Call us at 877-700-5790 or visit our contact page for a free consultation.
Don’t let debt collectors pressure you into unfair agreements—take control of your financial future today.