Collections Defense

Do you have mounting Debt? Have you been sued by a medical provider, a credit card company, on a bank loan, or by a former landlord? Let us help you. The Attorneys of Garmo & Kiste, PLC are experienced Debt Collection Attorneys who now specialize in Debt Collection Defense and Bankruptcy Work. In the past we learned the trade working for Credit Card Companies and Debt Collection Agencies. Yearly we handle hundreds of collections and collections defense cases.

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. We are licensed Michigan attorneys with offices in Troy, MI.

Our Familiarity with Collections Industry:

One of the greatest advantages of hiring our firm is the connections we bring to the process. Because of our past employment, typically we know the Plaintiff, their Attorney, the Court, and the Judge. We can quickly assess the facts of your case, in efforts of determining the best course of action and in turn the best possible result for you, our client. We know more loop holes than most attorneys, and we know when it’s time to fight and when it’s time to settle. For this reason, looking for an attorney who practices in the county where you were sued is particularly helpful, that said we regularly practice in Oakland, Macomb, Wayne, and Lapeer Counties.

What follows is a list of Collections Defense matters our firm has recently handled. Our track record speaks for itself:

Ypsilanti, MI: Major Credit Card Company pursuing a Forty Two Thousand Forty Nine Dollars and 23/100 cents ($42,049.23) judgment against our Client. Eight Thousand Dollar ($8,000.00) Settlement. Case Dismissed.

Redford, MI: Debt Buyer w/ a 2 year old judgment concerning a Mortgage deficiency in the amount of Fifty One Thousand Four Hundred Eighty One Dollars and 99/100 cents ($51,481.99) collecting against our Client. Five Thousand Dollar ($5,000.00) Settlement. Case Dismissed.

Clinton Township, MI: Major Auto Finance Company pursuing Five Thousand Eight Dollar and 39/100 cents ($5,008.39) w/ a 3 year old judgment against our Client. One Thousand Dollar ($1,000.00) Settlement / Satisfaction of Judgment Entered.

Detroit, MI: Major Collections Agency collecting on a Fifteen Thousand Dollar ($15,000.00) judgment against our Client from 2006. We successfully reopened the case over three years later. One Thousand Three Hundred Dollar ($1,300.00) Settlement. Case Dismissed.

Livonia, MI: Major Credit Card Company pursuing a Thirty One Thousand Four Hundred Eighty Eight Dollar and 65/100 cents ($31,488.65) judgment against our Client. Twelve Thousand Dollar ($12,000.00) Settlement. Case Dismissed.

Grand Rapids, MI: Collections Agency pursuing Assigned Credit Card Debt of Fifteen Thousand Dollars ($15,000.00) against our Client. Seven Thousand Dollar ($7,000.00) Settlement. Case Dismissed.

Rochester, MI: Major Bank seeking to Enforce Bank Loan Ten Thousand Dollar and 00/100 ($10,000.00) against our Client. Case Dismissed.

Allen Park, MI: Major Bank seeking to Enforce Seventy Five Thousand Dollar and 00/100 ($75,000.00) Personal Guarantee against our Client. Case Dismissed.

Eastpointe, MI: Major Bank seeking to Enforce Six Thousand Dollar and 00/100 ($6,000.00) Personal Guarantee against our Client. One Thousand Dollar ($1,000.00) Settlement.

Wayne, MI: Assigned Credit Card Debt pursuing One Thousand Two Hundred Dollar and 00/100 ($1,200.00) against our Client. Case Dismissed.

Clawson, MI: Assigned Auto Law Debt pursuing Thirteen Thousand Dollar and 00/100 ($13,000.00) Judgment against our Client. Three Thousand Dollar ($3,000.00) Settlement.

Rochester, MI: Assigned Credit Card Debt pursuing Six Thousand Dollar and 00/100 ($6,000.00) against our Client. Two Thousand Dollar ($2,000.00) Settlement.

St. Clair Shores, MI: Collection Agency pursuing Assigned Debt of Seven Hundred Dollars ($700.00) against our Client. Case Dismissed.

Clinton Township, MI: Condo association pursuing Assessments, Special Assessments, Late Fees, and Fines in the amount of Six Thousand Five Hundred Dollars ($6,500.00) against our Client. Three Thousand Five Hundred Dollar ($3,500.00) Settlement.

Lowell, MI: Major Bank seeking to Enforce Seven Thousand Dollar ($7,000.00) Credit Card Debt against our Client. Two Thousand Dollar ($2,000.00) Settlement.

Rochester, MI: Collections Agency pursuing Assigned Credit Card Debt of Six Thousand Two Hundred and Two Dollars ($6,202.00) against our Client. One Thousand Three Hundred One Dollar and 31/100 ($1,301.31) Settlement / Satisfaction of Judgment Entered.

Clarkston, MI: Collections Agency pursuing Twenty Thousand Dollar Judgment ($20,000.00) against our Client. Nine Thousand Two Hundred ($9,200.00) Settlement / Dismissal of Judgment.

St. Clair Shores, MI: Collections Agency pursuing One Thousand Two Hundred Dollar Judgment ($1,200.00) against our Client. Case Dismissed.

Rochester, MI: Major Bank seeking to Enforce Twelve Thousand Dollar ($12,000.00) bank loan. Ten Thousand Dollar ($10,000.00) settlement, repayment with no interest at $250.00 per month.

St. Clair Shores, MI: Collections Agency pursuing Four Thousand Eight Hundred Dollar Judgment ($4,800.00) against our Client. Case Dismissed.

Clinton Township, MI: Collections Agency pursuing Assigned Credit Card Debt of Four Thousand Five Hundred Dollars ($4,500.00) against our Client. One Thousand Dollar ($1,000.00) Settlement, Case Dismissed.

Port Huron, MI: Major Insurance Company pursuing a Six Thousand Five Hundred Dollar ($6,500.00) subrogation suit against our Clients. Five Hundred Dollar ($500.00) Settlement, Case Dismissed.

Sterling Heights, MI: Law Firm seeking to enforce Seven Thousand Dollar ($7,000.00) judgment against their former client concerning Attorney Fees. One Thousand Five Hundred Dollar ($1,500.00) Settlement.

Northville, MI: Major Card Company pursuing One Thousand Three Hundred Dollar ($1,300.00) judgment against our Client. Six Hundred Dollar ($600.00) Settlement.

Northville, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Twenty Seven Thousand Dollars ($27,000.00) against our Client. Seven Thousand Eight Hundred Ninety Seven Dollar and 36/100 ($7,897.36) Settlement, Case Dismissed.

Cadillac, MI: Collections Agency pursuing Thirteen Thousand Dollar ($13,000.00) judgment against our Client. Six Thousand Five Hundred Dollar ($6,500.00) Settlement.

Northville, MI: Collections Agency pursuing One Thousand One Hundred Eleven Dollar and 72/100 cents ($1,111.72) judgment against our Client. Four Hundred Dollar ($400.00) Settlement, Case Dismissed.

Sterling Heights, MI: Major Credit Card Company pursuing Two Thousand Five Hundred Fifty One Dollar and 96/100 cents ($2,551.96) against our Client. Five Hundred Seventy Dollar ($570.00) Settlement.

Rochester Hills, MI: Major Credit Card Company pursuing Nineteen Thousand Five Hundred Fifty Seven Dollar and 94/100 cents ($19,557.94) judgment against our Client. Case Dismissed.

Howell, MI: Major Credit Card Company pursuing Thirty Four Thousand Forty Eight Dollar and 76/100 cents ($34,048.76) against our Client. Seven Thousand Eight Hundred Dollar ($7,800.00) Settlement.

Bloomfield Hills, MI: Major Credit Card Company pursuing Eighteen Thousand Five Hundred Forty Three Dollar and 98/100 cents ($18,543.98) judgment against our Client. Five Thousand Five Hundred Sixty Five Dollar ($5,565.00) Settlement.

Detroit, MI: Major Auto Finance Company pursuing Eighteen Thousand One Hundred Five and 37/100 cents ($18,105.37) judgment against our Client. Case Dismissed.

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.

Garnishments and Relief from Garnishments

A garnishment is a means of collecting on a money judgment against an individual by ordering a third party (the garnishee) to pay money, otherwise owed to the individual, directly to the plaintiff. There are three common types of garnishments- (1) Wage Garnishments, (2) Bank Garnishments, and (3) Tax garnishments. Wage garnishments can be a shocking and traumatic event; suddenly 25% of your income disappears. Worse yet this can inconvenience your employer or others with whom you are dealing. Bank garnishments are also likely to be effective against many individual debtors, and as such your bank account can be taken to help satisfy a money judgment. Income Tax Refund Garnishments, as with wage garnishments too can be taken to help satisfy a money judgment.

If you have been served with a writ of garnishment and object to the writ, we can assist you. Once a writ of garnishment has been awarded, it is very hard to undo, but not impossible. In the past, we have successfully filed objections with the courts. However, an objection must be based on the one or more of the following:

the funds or property are exempt from garnishment by law
garnishment is precluded by the pendency of bankruptcy proceedings
garnishment is barred by an installment payment order
garnishment is precluded because the maximum amount permitted by law is being withheld pursuant to a higher priority garnishment or order
the judgment has been paid
the garnishment was not properly issued or is otherwise invalid

It should be noted that your wages, paycheck, or bank account can only be garnisheed if a judgment is taken against you. If you are debtor, it is not too late to protest the original debt or other obligation if you were unaware of a judgment or failed to defend a lawsuit in a timely manner. If this is the case, you should consult with an attorney immediately.

To remove a garnishment or 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.

Installment Payment Plans

Have your wages been garnished? Let us help you get the garnishment removed. If you have a judgment against you and you want to make monthly payments to pay off the judgment, and you have limited funds to pay the judgment, we can file a motion with the court to put you on a monthly payment, and set up a repay plan on your terms not theirs. This avoids having to inconvenience your employer or others with whom you are dealing. As a last resort, we can look into bankruptcy, this too will stop the garnishments.

You may know deep down inside that you have a debt problem, but it is easier to deny the problem than to address it. Addressing the problem can be painful and requires hard work, but the sooner you realize you have a problem, the sooner you can make positive changes. Delaying changes to your habits will only prolong the problem and make it worse.

We are here to help you. For more information about Debt Collection Defense and Bankruptcy or to retain Garmo & Kiste, PLC – call us at (248) 398-7100 for a free consultation. Payment plans are available, and as always you are under no obligation to retain our services and our advice during the consultation is free.

Debt Collectors We Deal With:

Academy Collection, Account Receivables Management, AC&S Debt Collection, Action Management, Account Recovery Services, Adler & Associates, Aegis Receivables Management, Aegis Communications (Global Vantage), AFNI, AIS Services, Alacrity Collections, Alegis Group, Allied Interstate, Allied International Credit, AllianceOne, Inc., AllianceOne Receivables Management, Alpine Capital, Aman Collection Service, American Coradius, American Debt Collection, American Recovery Systems, American Revenue, AMO Recoveries, Asset Management Outsourcing, Amsher Collection, Arrow Financial Services, Ashwood Financial, Asset Acceptance, Asset Acquisition, Asset Protection & Recovery Solutions, L.L.C. Asset Recovery, Assetcare, Associated Recovery Systems/ ARS National Services, A&S Collection Associates, Atlantic Credit & Finance, Bay Area Credit Service, Beirer & Margolis, Bennett, Deloney & Noyes, Berndt & Associates, P.C., Blatt, Hasenmiller, Blitt & Gaines, Bloomfield Financial, Bonded Collection Corporation, Boudreau & Associates, Bowman, Heintz, Bronson & Migliaccio, LLP, Buckles & Buckles, PLC, Bureau of Collection Recovery, Bureaus, Bureaus Investment, Burke, Costanza & Cuppy, Bethesda Funding, Bronson & Migliaccio, CACH LLC/ CACV, Cadle, Capital Management Services, Capital Recovery Service/CRS, CBCS, CBE (Credit Bureau Enterprises), CBM Accounts Services, Cavalry, Cavalry Portfolio Services, Cavalry SPV, CCB Credit Services, Chase Receivables, Chasnick and Graff, PLLC, ChexSystems, Clark, Clark & Associates, PLLC, Client Services, Inc., CMG Recovery, Codilis, Coldata, Collins Financial, Collect America, Collectcorp, Collectech, Collecto, Commonwealth Financial, Credigy, CCS/Credit Control Services, Credit Collection Services, Credit Management Services, Creditmax, Credit Protection Association, Creditors’ Alliance,Creditors Financial Group, Creditors Interchange, Crescent Recovery, Crown Asset Management, CSGA, CTI/Collectors Training Institute, Cadle, Canyon Recovery Partners, Capital Financial Credit, Capital One Bank, Capital Recovery Services, Chase Bank USA, Collection Agency, Inc., Collection Plus, Colonial Credit Corp., DebtOne, Dean & Fulkerson, P.C., DRS/Debt Recovery Solutions, Diversified Adjustment Service, Dun & Bradstreet RMS, DUNSCOMM, Elizabeth L. Martin, P.C., Elite Recovery, EMCC, Encore Receivable, Epstein Frisch, ERS/ER Solutions, Erin Capital, Excalibur, FBCS, FFPN/Carmel, Fidelis, Fidelity Information Corporation, FAMS/Financial Asset Management Systems, Financial Credit Corporation, Financial Recovery Services, First Credit Services, First Financial Resources, First National Collection Bureau, First Performance Recovery, First Resolution, First Revenue Assurance, First Select, Firstsource Advantage/Accounting Solutions Group, Fisher & Shapiro, FMA Enterprises, FMS, Focus Receivables Management, Fourscore Resource Capital, G. Reynolds Sims & Associates, P.C., GC Services, General Revenue, Genesis Financial, Gerald E. Moore & Associates, Great Seneca Financial, Glassen, Rhead, McLean, Campbell & Schumacher, George Gusses Co., LPA, Goodman & Poeszat, PLLC, Grand & Grand, PLLC, Gray & Gray, P.C., Gulf State Credit, Guyer & Enichen, Harris & Dial, Harris & Harris, Harris Financial Management, Harvard Collection Services, Harvest Credit, Hilco, Holzman, Ritter & Leduc, P.L.L.C., Houston Funding, Hudson & Keyse, Fink Law PLLC, I.C. System, IDT Carmel, ICS/Illinois Collection Services, Independence Receivables, Innovis, Inovision, IntelliRisk, Jacobs and Engle, P.C., James M. O’Reilly & Associates, PLLC, Jason Michael Katz, P.C., Javitch Block & Rathbone, J. C. Christensen & Associates, Jefferson Capital, KCA Financial Services, Kenneth A. Tardie and Associates, Kenneth Vance & Assoc., P.C., Kresch Legal Services, Kramer & Frank, LDG Financial, L.J. Frank P.C., Law Firm of LJ Tortorice, PLLC, Leikin, Ingber & Winters, P.C., Logan & Associates, LTD Financial Services, LVNV, Macey, Wilensky, Malcolm S. Gerald & Associates, Mark R. Mitchell, P.C., Mann Bracken, Mary Jane M. Elliott, P.C., Medical Collection System, MEDCLR, Meyer & Njus, P.A., Mercantile Adjustment Bureau, Merchants Credit Guide, Midland Credit Management/ MCM / MRC Receivables, Midland Funding, Mitchell N. Kay PC, MKM Acquisitions, Moss Codilis, M.R.S. Associates, National Action Financial Services, National Asset Management Enterprises, National Check Bureau, National Credit Adjusters, National Enterprise Systems, National Financial Systems, Nationwide Credit, Nationwide Recovery, NCC, Nelson, Watson & Associates, New Century Financial Services, Inc., Nitzkin & Associates, NCO, NCO Financial Systems, NCO Portfolio Management, Northeast Credit & Collection, NorthStar Capital, Northstar Location Services, Northland Group, Nottage Law Office PC, O’Reilly Rancilio P.C., Oliphant, Omnium Worldwide, OSI, Oxford Management, Olivier & Olivier, P.C., Pallino Receivables, Palisades Acquisition, Palisades Collection, PCM/Performance Capital Management, Pear,Sperling, Eggan & Daniels, P.C., Pentagroup Financial, Pentuik Couvreur & Kobijak, Perimeter Credit, Persolve, Phillips & Cohen Associates, Ltd., Pinnacle Credit Service, Phoenix Asset, Pierce & Associates, Pinnacle Financial Group, Pioneer Credit Recovery, Platinum Financial Services, Plaza Associates, Polce & Szuba, P.L.L.C., Potestivo & Associates, P.C., Portfolio Acquisitions, Portfolio Recovery Associates, Premium Asset Recovery, Pro Com Services, Professional Claims Bureau, Professional Credit Management, Professional Recovery Systems, Protocol Recovery Service, Rausch, Sturm, Israel & Hornik, S.C., Renner Law Office, P.L.C., Robert W. Warner & Associates, P.C., Roosen, Varchetti & Olivier, PLLC., RMS/Receivable Management Solutions, Recovery Partners, Redline Recovery Services, Resurgence, Resurgent Capital, Revenue Management Corporation, Revenue Production Management, Inc., RPM, Inc., Riverwalk Holdings LTD., RJM, RPV Holdings, Seth L. Goldner, P.C., Shermeta, Adams & VonAllmen, P.C., Stark, Reagan, P.C., Spartan Credit, SIMM Associates, Southwest Credit, Square Two, Stanley Weinberg & Associates, Stillman Law Office, Sunrise Credit Services, Sutariya Law Offices, P.C., Surpas Resource Corporation, Tate & Kirlin Associates, Tek-Collect, The Kavanaugh Law Firm, P.C., Titanium Solutions, Trak America, Transworld Systems, Trauner, Cohen & Thomas, Triumph Asset, Triumph Partnership, Truelogic, TSYS Total Debt Management, Unifund, United Collection Bureau, United Resource Systems, Universal Fidelity Corporation, Valentine & Kebartas, VanHattum & Associates, Varnum, Riddering, Van Ru Credit, Vengroff, Williams, Velocity Investments, Viking Collection, Walker, Watts, Jackson & McFarland, P.L.L.C., Walinski & Trunkett, Weltman, Weinberg, Walton & Donnelly, P.C., Weltman, Weinberg & Reis co., LPA, Weber & Olcese, PLC, West Asset Management, West Corporation, Wolpoff & Abramson, Worldwide Asset Management, Worldwide Asset Purchasing, Worldzen, Zenith Acquisitions, Zolton Law Office, Zwicker & Associates