Category Archives:Collections

Sued by Zwicker & Associates, PC in Michigan?

iStock 000014536564Small 300x300 Sued by Zwicker & Associates, PC in Michigan?If you have received a letter from Zwicker & Associates, PC or another debt collection firm stating you have an outstanding balance, there are a few things you need to know.   Zwicker & Associates, PC is a debt collection firm that frequently represents Discover and American Express. They pursue legal action on behalf of these debtors, hoping to collect outstanding debts.

Debt collectors are required to follow certain rules, though some will push the legal limits.  They are required to inform you of the exact amount you owe, tell you who they are and what entity they represent.  They are not allowed to give you false information, claim that they work for a credit reporting agency, or tell you that you are guilty of committing a crime.  If you have been contacted by someone claiming any of these things, this is a signal that the debt collector may be using abusive, illegal practices.

There are a number of tips you may implement in order to ensure you don’t get strong-armed by these entities.   Ensure you are familiar with your rights under the Federal Fair Debt Collection Practices Act (FDCPA).  The FDCPA may apply to lawyers if they are acting as a debt collector.  Further, though the debtor hopes to collect the full amount of your balance, you may be able to settle for less than the amount they claim you owe.  Even if you owe a large amount, bankruptcy is not your only option.   Paying a lump sum may not be possible for you but an experienced attorney can be instrumental in reaching a settlement and arranging a payment plan with collection firms such as Zwicker & Associates, PC on your behalf.  This can make it easier for you to pay off outstanding debt.

For more information about Debt Collection Defense and Zwicker & Associates, PC or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Sued by Rausch, Sturm, Israel, Enerson, & Hornik, LLC in Michigan?

iStock 000036034570Small 300x300 Sued by Rausch, Sturm, Israel, Enerson, & Hornik, LLC in Michigan?Have you been sued by Rausch, Sturm, Israel, Enerson, & Hornik, LLC? If so you are not alone. Whether you are sued based on an underlying credit card debt, deficiency, or judgment, our experienced attorneys can attempt to negotiate a deal and settle the debt in full. Rausch, Sturm, Israel, Enerson, & Hornik, LLC is such a large scale operation that you are able to submit an offer in compromise online. However, when we take the case, we are able to speak directly with the negotiators and attorneys who are responsible for your file. We have experience with this company and, in fact, used to be debt collectors ourselves. As such we know all the ins and outs of the system and can leverage that to secure you the best deal possible.

It is best to contact a debt collection defense attorney as soon as you are a few months behind on a debt. At that time we can strategize how to best negotiate a settlement based on your change in circumstances, decreased income, job loss, etc. However, we can still help even if your debt has been sold off to a collection agency, third party debt buyer, or is in active litigation (meaning you have been sued). Once you have been sued you must act fast, as debt collection attorneys Rausch, Sturm, Israel, Enerson, & Hornik, LLC are an aggressive firm and if you do not answer in a timely fashion and according to the court’s specifications you could end up with a default judgment against you or even a writ of garnishment for your wages or income tax.

If you have outstanding debt, have been harassed by a debt collection agency, or contacted by a law firm or third party debt buyer like Rausch, Sturm, Israel, Enerson, & Hornik, LLC, Call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

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Michigan FDCPA Violation Lawyer

iStock 000000966777Small 300x300 Michigan FDCPA Violation LawyerMany individuals that have been subject to the debt collection process perceive it as confusing, questionable or even unfair. That was the exact sentiment of Wallace, who brought a claim against a debt collector over a letter it sent him.  Specifically, Wallace and his attorney, brought a claim against Diversified Consultants over the wording of directions in the notice letter. The letter stated that he owed $2,000.00 for a phone bill and that he must respond within 30 days “of” receiving the notice. The federal law governing debt collection requires that individuals be informed that they have 30 days to respond “after” receiving the notice.

Wallace filed this claim in federal court but his claim was dismissed.  He appealed this dismissal and the Court of Appeals once more determined that this claim was unfounded because a reasonable person would understand what the notice meant. Though this was clearly a frivolous claim, there are specific procedures that debt collectors must follow.  Individuals in debt do have rights that debt collectors cannot infringe upon including the right to not be repeatedly harassed at work.  It is important to find an attorney with a track record of taking cases seriously.  You can trust that the attorneys at Garmo & Kiste, PLC will defend your rights with integrity, provide tailored service to your case and will not waste your time.

If you have outstanding debt, have been harassed by a debt collection agency, or contacted by a law firm or third party debt buyer like Diversified Consultants, Call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

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Sued by Midland Funding, LLC in Michigan?

iStock 000016026921Small 300x300 Sued by Midland Funding, LLC in Michigan?Sued by Midland Funding, LLC in Michigan? We can help

If you have past due debts on credit card accounts, deficiencies, or other debts you may have creditors calling and harassing you. Eventually, the debt may be purchased by a third party debt buyer such as Midland Funding, LLC. This means that the debt has been charged off, (written off as bad by the original debt holder) and the original note-holder may have collected on an insurance policy. Since these debts have a track record of being unpaid, they are a bargain and can be sold in bulk to companies like Midland Funding, LLC.

This is actually good news for the person owing the debt, because debt buyers tend to settle accounts for much lower than original debt holders. The debt is already charged off, and they have purchased the debt for a very small amount so they can make a profit on a much lower percentage. On the other hand though, they are pretty aggressive in collection so if the debt remains unpaid for long enough while it is owned by Midland Funding, LLC they will almost always sue. In these cases Midland Funding, LLC is usually represented by one of three large law firms: Mary Jane Elliott PLLC, Stillman Law Offices, or Weltman, Weinburg, and Reis. Our offices have worked with these law firms extensively. In fact, our attorneys used to be debt collectors themselves before they became defense attorneys- we know all the tips and tricks of the trade and can put them to work for you.

Once you are sued, you must take action and answer the court in a specific format or else Midland Funding, LLC will take a default judgment against you. We get many calls from people who have had a default taken against them. Usually these people are being subjected to wage garnishments or income tax return garnishments. While we can still help these individuals, you have a lot more leverage if an attorney gets involved from the beginning. We can help you respond to the court appropriately, protect your rights, and ultimately negotiate a settlement on your behalf for less than the total debt.

If you have outstanding debt, have been harassed by a debt collection agency, or contacted by a law firm or third party debt buyer like Midland Funding, LLC, Call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Have you been sued by Cavalry SPV?

iStock 000032377320Small 300x300 Have you been sued by Cavalry SPV?Have you been sued by Cavalry SPV I, LLC? As a debt buying agency, Cavalry SPV I, LLC purchases bad debts or otherwise troubled accounts from loan initiators. Because a large proportion of these investments will not pay off, Cavalry is often willing to work with a borrower who comes to the table to negotiate. Furthermore, since they are not the originators of the note, and got a deal on the debt in the first place post-charge off, they may be willing to take a lower settlement amount. Our offices have had great success negotiating with Cavalry SPV I, LLC for pennies on the dollar.

There are several keys to our success. First, we work with Cavalry all the time. We know the attorneys who more than likely will end up handling the suit if you are ultimately sued. We know what collectors want to see to get lower offers. This is because our attorneys worked as debt collectors prior to opening our debt collection defense firm. We know the tricks of the trade and how to turn them around for your benefit.

While Michigan is generally a very creditor friendly state, recently we have had some favorable decisions for debtors. In McDonald v Asset Acceptance it was held that a third party debt buyer (Asset Acceptance and Cavalry are very similar in this respect) may not charge interest for the period of time post charge off. Charge off is when the originator of the loan writes off the debt and the actual amount of loss (which is much lower), at times makes an insurance claim on the amount lost. There is some debate as to whether courts will interpret this to mean that once the debt buyers own the debts they can begin charging their own interest, or whether the interest is forever waived as assignees stand in the shoes of their assignors.

If you have outstanding debt, have been harassed by a debt collection agency, or contacted by a law firm or third party debt buyer like Cavalry SPV, Call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

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Collecting Money from a Judgment in Michigan

iStock 000016508893Small 300x300 Collecting Money from a Judgment in MichiganAttachment v. Execution of Realty:

If you have a judgment against someone, default or otherwise, a frequent question is what to do next. While you can always set up a creditor’s exam, or attempt to garnish the defendant’s paycheck or tax return, sometimes even these techniques come up with nothing. Once you have tried these tactics, you may want to explore attachment or execution of realty especially if the defendant has his or her money all wrapped up in real estate where it is inaccessible to the more common collection attempts.

Attachment is the process by which a judgment lien attaches to the Defendant’s interest in real property. This is accomplished by the creditor filing a notice of judgment in accordance with MCL 600.2803 with the register of deeds. This can even apply to after acquired property. There is no right to foreclose a judicial lien pursuant to MCL 600.2819.

Execution of realty is slightly different. One may only move for an execution after execution has been made against personal property pursuant to MCL 600.6004. Some property is exempt from levy and sale under execution pursuant to MCL 600.6023. This exempt property includes:

  • a homestead exemption
  • household goods under $1000.00 all apparel for the debtor and his family
  • provisions and fuel for comfortable subsistence of each household member
  • a seat, pew, or slip in the place of worship and cemetery plots
  • per household member: 10 sheep, 2 cows, 5 swine, 100 hens, 5 roosters, and feed for six months
  • occupational tools less than $1000.00

As you can see, this is a pretty unusual statute. If you are at your wits end trying to collect a judgment, or if you have had your property executed or attached, you need an experienced attorney to assist you and protect your rights. To retain Garmo & Kiste, PLC, for assistance in these matters call us at (248) 398-7100 for a free consultation or contact us with a private message. Need help Collecting Money from a Judgment in Michigan? We are experienced Michigan attorneys with offices in Troy, MI.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Sued by Stenger and Stenger in Michigan? We can help

iStock 000005150470Small 300x300 Sued by Stenger and Stenger in Michigan? We can helpSued by Stenger and Stenger in Michigan? We can help.

Stenger & Stenger is a law firm that represents creditors and specializes in debt collection cases.  In some instances, individuals have reported that Stenger & Stenger has, on behalf of its clients, taken large sums of money from bank accounts for judgments on debts.  It may seem unfair but it may still be legal.  Debt collectors are notorious for using abusive and fraudulent means to collect money.  It is not uncommon for them to add on interest or fees to increase the balance you supposedly owe.  If they do this, they are in violation of the Federal Fair Debt Collection Practices Act.  Some individuals report that they never received notice of a default judgment entered against them.  These situations can be confusing and frustrating but the attorneys at Garmo & Kiste, PLC are here to help.  If you are having trouble with a debt collector or have been sued by a law firm such as Stenger & Stenger, call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.  We are an aggressive law firm that will fight for your rights.

Another thing to keep in mind is that all debt collection communications are not necessarily legitimate. Debt Collection Scams are increasingly common. These are different from the legitimate debt collection actions taken by actual creditors.  Consumers have reported getting frightening and threatening phone calls demanding payment of outstanding payday or internet check cashing loans.  The caller may claim to be a representative of a law firm or even the government.  These callers probably won’t abide by the rules of the FDCPA so if you are being subjected to abusive debt collection behavior such as calling before 8 am or after 9 pm, this is a red flag and you should seek help. The scariest aspect of being contacted by fake debt collectors is that they may have a lot of accurate personal information about you including your birthday or even your Social Security number.  Be sure not to give any additional information about yourself and seek help.

Even dealing with legitimate debt collectors can be a harrowing experience.  If you are in this position the attorneys at Garmo & Kiste, PLC are here to fight for you.   If you have outstanding debt, have been harassed by a debt collection agency or contacted by a law firm such as Stenger & Stenger, please contact us at (248) 398-7100 or send us a private message.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Sued by RAzOR Capital? We Defend Michigan RAzOR Capital Lawsuits

iStock 000011966561Medium 300x300 Sued by RAzOR Capital? We Defend Michigan RAzOR Capital LawsuitsSued by RAzOR Capital? We Defend Michigan RAzOR Capital Lawsuits:

Credit cards, auto loans, mortgages and other forms of debt are very common in the modern world. The way you handle your debts impacts your credit score which is increasingly important. That little number can affect your chances of getting a car, house, or even a job. It is important to check your credit score and report. By regularly checking your credit report, you can ensure that the debt reflected there is really yours, that there are no mistakes and ensure you are not blind-sided by a debtor or debt collection agency such as RAzOR Capital.

When you check your credit score you may see a single number or multiple ones depending on what website or provider you use.  This is because there are three different credit bureaus, TransUnion, Equifax, and Experian and each may have different information about your borrowing practices.  Some of the factors they use to calculate your credit score include the amount you owe, if you make payments on time, and the length of your credit history.

There are a number of things you can do if you want to raise your credit score.  You can maintain your balance at less than 30% of your credit limit, withhold from applying for new cards more than a few times a year and try to slowly pay down your outstanding debt.

Maintaining your credit can help you achieve your goals in life but your efforts will be hindered if you have unsettled debt disputes.  Individuals may be contacted by debt collection agencies seeking to obtain payment of outstanding debt.  They may do this on behalf of a creditor such as a bank or they may purchase the debt from the original debtor and collect on their own behalf.  RAzOR Capital is one such agency.  They purchase credit card portfolios and collect in order to collect payments on the outstanding debt, and are regularly represented by Stenger & Stenger here in Michigan. If you have been contacted by RAzOR Capital or another debt collection agency, please call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message so that you can take the first step to resolving the situation and moving on with your life.

We have handled many debt collection cases and pride ourselves on our keen understanding of both sides of the issue.  We have extensive experience in the Metro Detroit and in all of Michigan with debt collection agencies such as RAzOR Capital.

For more information about Debt Collection Defense and RAzOR Capital or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Sued by CACH, LLC? We Defend & Settle CACH Debt Lawsuits

iStock 000011966561Medium 300x300 Sued by CACH, LLC? We Defend & Settle CACH Debt LawsuitsHave you been contacted or served CACH, LLC?  Most individuals who have been contacted by CACH, LLC have never heard of the company before.  CACH, LLC is a debt purchaser or a Junk Debt Buyer.  They buy debt from banks and other financial institutions, and then bring action against the borrowers. In Michigan CACH, LLC is often represented by G. Reynolds Sims and Associates, P.C. ans Weltman Weinberg & Reis.

The process of selling and buying debt is perfectly legal and is fairly common.  However, there are rules in place that protect individuals and to control how Debt Collectors conduct themselves.  The Fair Debt Collections Act covers personal and household debt including debt from credit cards and auto loans.  The FDCA dictates that debt collectors may not harass anyone or use deceptive practices in attempts to collect the debt.  Harassment includes calling repeatedly with the intent to annoy or abuse any person at the called number.  Debt collects cannot contact you at unreasonable times.  For example, they shouldn’t be contacting you at 6 a.m. or 10 p.m.  If CACH, LLC has engaged in this or other abusive behavior, they are in violation of the FDCA.  CACH, LLC and other debt collectors are permitted to contact third parties to get information about you.  Further, they may make multiple attempts to contact you.  Obtaining an Attorney can help you avoid the stress of communicating with debt collection agencies.  If you are being contacted in regards to paying a debt please contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

If CACH, LLC is taking legal action against you to collect the debt, you will need an attorney that can navigate the unique legal landscape of debt collection.  The legal process can be confusing and frustrating even when debt collectors conduct themselves legitimately.  The attorneys at Garmo & Kiste, PLC can do just that.  We regularly handle debt collections cases and have worked with debt collectors in the past.  This gives us a unique advantage because we understand both sides of litigation.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

 

 

Sued by LVNV Funding in Michigan? We can Help.

iStock 000022245733Small 300x300 Sued by LVNV Funding in Michigan? We can Help.LVNV Funding is a debt collection agency, often referred to as a Junk Debt Buyer.  Their business is based in purchasing your debt from an organization that you owe money to.  The organizations they may have purchased your debt from include banks or other financial institutions or even other debt collection agencies.  Once they own your debt, they will become the collector and will pursue payment from you. If they contact you about debt collection or if their name appears on your credit report this may mean that you owe them money. Understanding and handling your debt situation is complicated and often times confusing to the point of frustration. For more information about LVNV Funding, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, and Lake Orion Michigan.

In Michigan LVNV Funding is often represented by Mary Jane Elliot’s office, Weltman Weinberg & Reis, or Stenger & Stenger, P.C. You may have received letters about the amount you owe, describing the transfer of your debt.  You may see names of debt collection agencies you’ve never heard of before, including LVNV Funding.  That’s because your debt can legally be transferred multiple times without your consent.  Amidst these transfers, you may lose track of a debt you owe.  Often times individuals receive notification about owing a debt that is higher than they were expecting.  It can be very difficult to understand the transfer of your debt and even more difficult to get any information from debt collection agencies such as LVNV Funding.  The attorneys at Garmo & Kiste, PLC are here to answer your questions and will pursue the information you need.  It is important to go through the process with an expert to ensure that your debt payments are given to the correct debtor and that the proper documentation follows in order to ensure that your debt will be legitimately and wholly cleared.  This is especially important when you see multiple names, including LVNV Funding, on statements.

In some cases, the behavior of LVNV is not legal.  Their actions could be in violation of the Fair Debt Collection Practices Act (FDCPA).  The FDCPA is a federal law that serves to protect consumers from abusive debt collection behavior.  This includes communicating at unusual times or contacting you directly once you have obtained an attorney.  Though this law applies in Michigan, many are unaware of the protection it grants.  If LVNV or another debt collection agency has engaged in behavior such as this, please contact Garmo & Kiste, PLC to help. For more information about LVNV Funding, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, and Lake Orion Michigan.

The attorneys here at Garmo & Kiste, PLC have expertise in this area of law.  Hiring Garmo & Kiste, PLC will give you a leg up on LVNV Funding and other debt collectors because we have worked with debt collectors in the past.  We are knowledgeable about the debt collections process and how these businesses handle these matters.  We have also handled numerous cases for defendants facing legal action by a debt collection agency.  We have the experience to handle your case no matter what your needs are. Call us at (248) 398-7100 for a free consultation or contact us with a private message. 

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Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area