Getting a letter or call from Roosen Varchetti & Oliver PLLC can feel urgent because it often uses legal language, account references, or “respond now” wording. The safest response is not to debate the claim on the phone. Your safest response is to confirm the sender, request the details in writing, and decide what to do only after you can verify the creditor, the amount, and whether the account is actually connected to you.
This guide focuses on verifiable, firm-specific details and a practical action plan. It explains who the firm is, why it contacts consumers, what “harassment” patterns may look like, and what to do if the situation involves a lawsuit, a garnishment notice, or a judgment lien.
Table of Contents
- Who Is Roosen Varchetti & Oliver PLLC?
- Why Does Contact You?
- Is Roosen Varchetti & Oliver PLLC Legit or a Scam?
- What Harassment Can Look Like
- Is Breaking the Law?
- Lawsuits Against Roosen Varchetti & Oliver PLLC
- How to Stop Collection Calls
- What Proof to Request to Verify the Debt
- How to Pay Safely if the Debt Is Valid
- Credit Report Issues and Disputes
- How to Handle Local Tax Letters
- What to Do If They Mention Legal Action
- Get Help With Harassment
Who Is Roosen Varchetti & Oliver PLLC?
Roosen, Varchetti & Olivier, PLLC is a creditor-rights and collections law firm that publicly states it litigates collection matters in Michigan and Georgia and also works with forwarding counsel for cases outside those states.
Many consumers search for the firm using the phrase Roosen Varchetti & Oliver PLLC. The important point is that this is a law firm that may contact you while collecting a claimed debt or while pursuing (or enforcing) a court case.
What makes this firm different from a typical collection agency
A traditional “collection agency” often focuses on calls and letters. A creditor-rights law firm can also use formal legal steps, such as filing lawsuits, recording liens, or pursuing post-judgment remedies when permitted. That difference is why your paperwork matters more than the tone of a voicemail.
Why Does Roosen Varchetti & Oliver PLLC Contact You?
Roosen Varchetti & Oliver PLLC usually contacts consumers because a creditor or claimant placed an account with the firm for collection, litigation, or judgment enforcement. The firm’s own descriptions reference handling accounts across the receivables lifecycle, including early-out and pre-chargeoff accounts, secondary and tertiary placements, and judgment enforcement work.
Common scenarios include:
1) A past-due account was placed for collection
This may involve a balance connected to a prior service, medical provider, or business relationship. If you do not recognize the creditor name, you may be seeing a parent company, a billing vendor, or a portfolio owner rather than the name you remember.
2) A lawsuit is being filed or has already been filed
If a creditor chooses to sue, you may receive a summons and complaint, a court case number, or service at your home. A “lawsuit” is not a threat. It is paperwork with deadlines.
3) A judgment already exists and a creditor is enforcing it
Some people first learn about an older case when an employer receives garnishment papers or when a lien appears during refinancing. Public court summaries discussing the firm include disputes connected to garnishment requests and judgment liens.
If the creditor, dates, or amount do not match your records, treat the first contact as an identity check, not a payment decision.Learn Is It Illegal for a Collection Agency to Buy Your Debt and Come After You? before responding.
Is Roosen Varchetti & Oliver PLLC Legit or a Scam?
Roosen, Varchetti & Olivier is a real law firm with an official website and published contact information, but that does not guarantee every call you receive is legitimate. Scammers sometimes impersonate real firms, spoof caller ID, and demand immediate payment.
Use these identity checks before you share information:
- Match the notice to published contacts. Compare the letter’s address and phone to the firm’s published contact page.
- Confirm you are on the real payment path. The firm’s website references online payment options through a payment platform and also provides email contacts for consumers.
- Watch for scam signals. If someone demands gift cards, crypto, or wire transfers, or refuses to mail validation, treat that as high-risk behavior and do not pay.
If anything does not match, slow down and request written verification.
What Roosen Varchetti & Oliver PLLC Harassment Can Look Like
Roosen Varchetti & Oliver PLLC harassment concerns usually start when contact feels like pressure without documentation. Not every unpleasant call is illegal. The pattern matters.
Examples of contact that might feel excessive or misleading, depending on the facts:
- Calls or voicemails that repeat for days but never provide the creditor name or a written balance breakdown.
- “Pay today” pressure while refusing to send written itemization.
- Statements implying you will be arrested or “served tomorrow” without any real court details.
- Contact continuing after you request written-only communication.
- Contact continuing after you notify them you have an attorney.
Federal rules also recognize that excessive call attempts about the same debt may be a problem. Regulation F includes a call-frequency presumption tied to a particular debt, which may matter if you are tracking repeated attempts over short windows.
Quick reality check
If the message includes no creditor name, no account reference, and no mailing address for disputes, treat it as a verification risk rather than a payment obligation.
Is Roosen Varchetti & Oliver PLLC Breaking the Law?
If you believe Roosen Varchetti & Oliver PLLC used false, misleading, or abusive tactics, that conduct could potentially violate the Fair Debt Collection Practices Act (FDCPA), depending on whether the firm is acting as a “debt collector” on your specific account and communication. The FDCPA prohibits harassment and abusive conduct, bans false or misleading representations, and restricts unfair practices by third-party debt collectors (including law firms when they meet the statutory definition).
Two compliance checkpoints that are easy to use:
Validation and clarity
If you think the debt may be wrong, requesting written validation is a lawful way to force clarity before any payment decision.
Communication controls
If you request written communication, or you tell a collector not to call you at work, continued contact could become relevant depending on what was said and how often contact occurs.
This section is not accusing anyone of wrongdoing. It is a framework for what to document if you believe your situation might involve a violation.
Lawsuits Against Roosen Varchetti & Oliver PLLC
Public court records show Roosen Varchetti & Oliver PLLC has been named as a defendant in FDCPA lawsuits. These cases do not prove every consumer interaction is unlawful. They do show the types of disputes consumers raise when they believe collection litigation, venue choice, service, or post-judgment steps were improper.
Examples in publicly accessible federal court opinions include:
- Roe v. Roosen, Varchetti & Olivier, PLLC (E.D. Mich.) discussed an alleged garnishment request sent to an employer involving a same-name issue and included FDCPA claims.
- Comer v. Roosen Varchetti & Olivier, PLLC (E.D. Mich.) involved claims linked to a judgment lien recorded in connection with a judgment against the plaintiff’s spouse and raised FDCPA and Michigan-law issues.
- McInerney v. Roosen Varchetti & Olivier, PLLC (E.D. Mich.) describes an Fair Debt Collection Practices Act (FDCPA) suit where the plaintiff alleged the amount was inflated and challenged where the collection suit was filed.
If your situation involves court papers, response deadlines and local procedures matter more than phone conversations.
Roosen Varchetti & Oliver PLLC Contact Information
Use verified contact data to confirm identity before you share sensitive information. Debt collectors can use multiple outbound lines, and scammers can spoof caller ID. If you need to call, use a verified number from a trusted listing.
Published phone numbers
The firm’s published contact page lists both toll-free and local numbers for Michigan and Georgia.
- Michigan: (844) 871-3126; (586) 868-2737
- Georgia: (844) 833-0033; (404) 458-0123
A directory listing also shows a Michigan contact number often associated with the firm.
- Michigan directory line: (586) 464-2244
Address
| Office | Physical address | Mailing address |
| Michigan | 39541 Garfield Road, Clinton Township, MI 48038 | P.O. Box 2305, Mt. Clemens, MI 48046 |
| Georgia | 1950 N Park Pl SE, Ste 600, Atlanta, GA 30339 | P.O. Box 1186, Smyrna, GA 30081 |
How to Stop Roosen Varchetti & Oliver PLLC Collection Calls
To reduce contact from Roosen Varchetti & Oliver PLLC, shift the process from phone pressure to written proof. These steps are designed to protect you whether the debt is valid, disputed, or a wrong-party contact.
Step 1: Let calls go to voicemail
Save voicemails. Screenshot the incoming number and time. Do not delete messages. A call log is the simplest evidence if you later believe contact became excessive.
Step 2: Request written validation
Your goal is to receive written details you can verify, not to “win” a phone conversation. Use one sentence:
“Please send me written validation of the debt, including the creditor and an itemized balance.”
Step 3: Do not confirm sensitive data on the first call
If you are not sure you are speaking with the correct entity, do not provide full Social Security numbers, bank details, or employer information. If the caller pressures you to share these, treat that as a red flag.
Step 4: Move the dispute into writing
A written dispute is easier to prove than “I told them on the phone.” Keep a copy of what you send and proof of delivery.
Step 5: Decide payment only after verification
Paying fast can backfire if the account is wrong, too old, or connected to someone else with a similar name.
What Proof to Request to Verify the Debt
A validation request to Roosen Varchetti & Oliver PLLC should focus on proof you can check. Keep it short and specific.
Ask for:
- The current creditor and, if different, the original creditor
- The account reference number
- The amount claimed, plus an itemized breakdown (principal, interest, fees, court costs, attorney fees, if any)
- The dates used for the claim (for example, last payment date, if they claim one)
- If a debt-buyer is involved, documentation showing assignment or transfer
If you think the debt is not yours, state that clearly and request the documentation used to match your identity.
How to Pay Safely if the Debt Is Valid
If you confirm the Roosen Varchetti & Oliver PLLC’s debt is yours and you choose to pay, paying safely means controlling the process and keeping receipts.
- Use written confirmation. Ask for a written payoff or settlement statement that explains exactly what amount resolves the account.
- Confirm where you are paying. The firm’s website references online payment options and also provides email contacts for consumers.
- Avoid risky methods. If someone demands gift cards, crypto, or wire transfers, treat it as a scam signal.
- Keep proof. Save confirmation numbers, screenshots, and email receipts.
- Ask about credit reporting. If the debt appears on a credit report, ask what the creditor or furnisher will report after payment. Get any promises in writing.
Credit Report Issues and Disputes
A collections account or collection lawsuit can intersect with credit reporting, but the right move depends on what you see on your reports.
If you see an unfamiliar tradeline:
- Request validation first so you understand what the account is.
- Dispute only what you can clearly identify as inaccurate (wrong balance, wrong dates, wrong identity match).
- Keep proof of what you submitted and when.
If you have not checked your reports recently, pull all three major bureau reports and look for matching names, addresses, and account numbers. When you find a listing, compare the creditor name and balance to the written validation you receive. Dispute only what you can document as inaccurate, and keep copies of every submission.
If you believe a tradeline is wrong-person reporting, your call log, identity documents, and address history can become important. Public FDCPA cases against the firm include disputes tied to same-name and ownership issues, which shows why accurate identity matching matters.
Better Business Bureau business profile
How to Handle Local Tax Letters
If the notice mentions a city, county, court, toll authority, or another government entity, treat it as a higher-verification situation. Government-related balances can involve older years, penalty schedules, and billing-address issues.
Use this checklist:
- Identify the agency name and the time period involved.
- Ask for the legal basis for added penalties or collection costs.
- Confirm the prior address used for notices.
- Compare it to your records before you pay.
If you think the balance is not connected to you, do not pay under urgency. Request proof and keep everything in writing.
What to Do If Roosen Varchetti & Oliver PLLC Mention Legal Action
If Roosen Varchetti & Oliver PLLC mentions “lawsuit,” “garnishment,” or “judgment,” treat it as a paperwork-driven process.
If you receive a summons and complaint
A real lawsuit usually includes the court name, a case number, and a response deadline. If you ignore that deadline, a default judgment may be entered. even if you believe you were not properly served. See What Happens If a Process Server Can’t Serve Me on a Debt Lawsuit?
If your employer receives garnishment paperwork
Garnishment documents often go to the employer first. If you believe the debtor is someone else (same name, wrong address history), document the mismatch and get legal advice quickly. Public case summaries discuss a same-name issue tied to an alleged garnishment request, which shows why documentation matters.
If a lien shows up during refinancing
Ask for a written payoff statement and confirm that the lien actually attaches to your interest, not a spouse or another person. Comer discusses disputes tied to judgment liens and ownership interests.
Get Help With Harassment
If you believe Roosen Varchetti & Oliver PLLC harassment has crossed the line, legal support may help you organize your evidence, demand proof correctly, and respond to deadlines without guessing.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC helps consumers respond to debt-collection pressure with a proof-first plan. If calls or letters seem excessive, confusing, or aimed at the wrong person, the firm can review notices, voicemails, and credit reports, then help you request validation, dispute inaccurate reporting, and move communication into writing. When a matter involves a lawsuit, garnishment, or an older judgment, they can help you understand deadlines and options so you do not guess under pressure. They may also evaluate whether facts support claims under the FDCPA, TCPA, or Fair Credit Reporting Act (FCRA). Consumer Rights Law Firm PLLC, 133 Main Street, Second Floor, North Andover, MA 01845. Phone: +1 877-700-5790. Email: help@consumerlawfirmcenter.com. If you believe your rights were violated, they can discuss options.
Success Stories
Thank you so much for taking the time to share your experience. We are very glad to hear that Matthew and Derek were able to explain everything clearly, resolve the debt, and get the item removed from your credit report. Knowing that you no longer have to worry about threats or harassment is exactly the outcome we work for.
We truly appreciate your recommendation and your trust in us. If you ever need help again or have any questions in the future, we are always here for you.
Common Questions About Roosen Varchetti & Oliver PLLC
Why is Roosen Varchetti & Oliver PLLC contacting me?
They may be contacting you for a creditor about an alleged balance, a lawsuit, or judgment enforcement. Request written validation so you can confirm the creditor, amount, and dates before you pay.
Is Roosen Varchetti & Oliver PLLC a debt collector?
It may act as a “debt collector” under the Fair Debt Collection Practices Act depending on the account and the firm’s role. If you are unsure, treat the first contact as verification-first and request written details.
What is their phone number?
The firm’s published contact page lists verified numbers for Michigan and Georgia. Compare your notice to the published listing before calling back.
What should I do first?
Save the letter and envelope, screenshot your call history, and send a written request for validation. Avoid paying during the first call if the claim is unclear.
What if the debt is not mine?
Dispute it in writing and request documentation showing the account belongs to you. If you think identity theft is possible, consider fraud alerts and keep copies of reports.
Can they sue me?
A creditor can sue if the debt is valid and within the statute of limitations, but a lawsuit requires court papers and deadlines. If you are served, respond on time.
What if there is already a judgment?
Ask for a written payoff statement and confirm the case details match your identity and the judgment amount. Judgment enforcement rules vary by state.
How do I reduce calls?
Move communication to writing, request validation, and keep a contact log. If you believe calls are excessive about the same debt, that could potentially matter under Regulation F’s call-frequency presumption.
Can they contact family or an employer?
Collectors generally cannot discuss your debt with unauthorized third parties. If you believe disclosures happened, document who was contacted and what was said.
How can Consumer Rights Law Firm PLLC help?
They can review documents, help you request validation, dispute inaccurate credit reporting, and advise on deadlines or possible consumer-protection claims.
