Debt Collection Defense

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iStock 000002077265Small 300x300 Debt Collection DefenseMichigan Debt Collection Defense & Bankruptcy Attorneys:

Do you have mounting Debt? Have you been sued by a medical or mortgage provider, a credit card company, on a bank or auto loan, by a former landlord or another creditor? Let us help you,having a knowledgeable attorney, such as the attorneys of Garmo &Kiste, PLC, who can provide effective debt collection defense representation can save you or your business from unnecessary hardship, emotional distress, and repayment costs.

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. 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. Yearly we handle hundreds of collections and collections defense cases. If you are being harassed or sued by debt collectors, you need to know there are laws protecting you, and that we can help.

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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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, etc.? 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. We are licensed Michigan attorneys, with offices in Troy, MI. We are not a debt relief agency.

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 ticketed 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 handled recently.

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.

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

  • White Lake, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Twenty Thousand  Seven Hundred Twenty One Dollars and 19/100 ($20,721.19) against our Client. Six Thousand Dollar and 00/100 ($6,000.00) Settlement, Case Dismissed.
  • Clawson, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Four Thousand  Two  Hundred Dollars and 19/100 ($4,200.19) against our Client. Two Thousand Dollar Six Hundred and 00/100 ($2,400.00) Settlement, Case Dismissed.
  • East Pointe, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Two Thousand Nine Hundred Eighty Four Dollars and 19/100 ($2,984.19) against our Client. Case Dismissed.
  • Farmington Hills, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately One Hundred and Three Thousand Dollars and 00/100 ($103,000.00) against our Client. Twenty Four Thousand Dollar and 00/100 ($24,000.00) Settlement, Case Dismissed.
  • Novi, MI: Major Auto Finance Company pursuing Eleven Thousand Four Hundred Twenty Six Dollars and 21/100 cents ($11,426.21) judgment against our Client.  Five Thousand Dollar and 00/100 ($6,000.00) Settlement, Case Dismissed.
  • Woodhaven, MI:  Major Bank seeking to Enforce Twenty Thousand  Dollar and 00/100 ($20,000.00) Personal Guarantee against our Client. Zero Dollar ($0.00) Settlement, Case Dismissed.
  • Kalamazoo, MI: Small Auto Finance Company pursuing Four Thousand Five Hundred Six Dollars and 00/100 cents ($4,500.00) judgment against our Client.  One Thousand Dollar and 00/100 ($1,000.00) Settlement, Case Dismissed.
  • Troy, MI: Major Credit Card Company pursuing Six Thousand Eight Hundred Forty Six Dollar and 67/100 cents ($6,846.67) against our Client.  Five Thousand Dollar and 00/100 ($5,000.00) Settlement, Case Dismissed.
  • Troy, MI: Major Credit Card Company pursuing Twelve Thousand Dollar and 00/100 cents ($12,000.00) against our Client.  Three Thousand Five Hundred Dollar and 00/100 ($3,500.00) Settlement, Case Dismissed.
  • Berkley, MI: Major Credit Card Company pursuing  Sixteen Thousand Seven Hundred Sixty Nine Dollars and 87/100 cents ($16,769.87) judgment against our Client. Four Thousand seven Hundred Dollar and 00/100 ($4,700.00) Settlement, Case Dismissed.
  • Rochester, MI: Discover Bank pursuing Ten Thousand Dollar and 00/100 cents ($10,000.00) judgment against our Client. Case Dismissed at Trial ($0.00).
  • Ferndale, MI: Major Auto Finance Company with Sixteen Thousand Four Hundred twenty Dollars and 00/100 cents ($16,420.00) judgment against our Client.  Two Thousand Six Hundred Dollar and 00/100 ($2,600.00) Settlement, Case Dismissed.
  • Maryland: Collections Agency with Twenty One Thousand Five Hundred Seventy Dollars and 00/100 ($21,570.00) against our Client. Twelve Thousand Dollar and 00/100 ($12,000.00) 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.
  • Ypsilanti, MI: Major Card Company pursuing One Thousand Two Hundred Ninety Seven Dollar and 85/100 ($1,200.00) judgment against our Client. Four Hundred Thirty One Dollar ($431.44) Settlement.
  • Wyandotte, MI: Major Card Company pursuing Two Thousand Four Hundred  Dollar and 00/100 ($2,400.00) judgment against our Client. One Thousand ($1,000.00) Settlement.
  • Lapeer, MI: Major Card Company pursuing Five Thousand Four Hundred  Dollar Twenty Two Dollar and 56/100 ($5,422.56) judgment against our Client. One Thousand Sixty Dollar ($1,060.00) Settlement.
  • Southfield, MI: Major Credit Card Company pursuing Thirty Two Thousand Forty Eight Dollar and 25/100 cents ($32,048.25) against our Client. Twelve Thousand Dollar ($12,000.00) Settlement.
  • Birmingham, MI: Collections Agency pursuing Nine Thousand Three Hundred Twenty One Dollar and 51/100 ($9,321.51) judgment against our Client. Three Thousand Seven Hundred Twenty Eight Dollar  and 60/100 ($3,728.60) Settlement.
  • Canton, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Forty Eight Thousand Dollars and 00/100 ($48,000.00) against our Client. Twelve  Thousand Dollar and 00/100 ($12,000.00) Settlement, Case Dismissed.
  • Shelby, MI: Collections Agency pursuing Fifty Thousand Eight Hundred Seventy Two Dollar and 08/100 cents ($50,872.08) judgment against our Client. Eight Thousand Dollar and 00/100 ($8,000.00) Settlement, Case Dismissed.
  • Redford, MI:  Major Bank seeking to Enforce Fifty Two Thousand Nine Hundred Twenty Six Dollar and 25/100 ($52,926.25) Personal Guarantee against our Client. Three Thousand One Fifty Nine Dollar ($3,159.00) Settlement, Case Dismissed.
  • Lake Orion, MI: Major Credit Card Company pursuing Thirteen Thousand Three Hundred Thirty Five Dollars and 39/100 cents ($13,335.29) against our Client. Four Thousand Eight Hundred Dollar and 00/100 ($4800.00) Settlement.
  • Waterford, MI: Collections Agency pursuing Assigned Credit Card Debt of approximately Three Thousand Six Hundred and Thirty Six Dollars and 00/100 ($3,636.00) against our Client. One Thousand Dollar and 00/100 ($1,000.00) Settlement, Case Dismissed.
  • Redford, MI:  Major Bank seeking to Enforce Sixteen Thousand Two Hundred and Thirty Two Dollars and 19/100 ($16,232.25) Personal Guarantee against our Client. Two Thousand Dollar and 00/100 ($2,000.00) Settlement, Case Dismissed.
  • St. Clair Shores, MI: Collections Agency pursuing Two Thousand Two Hundred Dollar Judgment ($22,110.76) against our Client. Two Thousand Eight Twenty One Dollar ($2,821.00) Settlement.
  • Livonia, MI: Collections Agency with a One Thousand Six Hundred Dollar Judgment ($1,602.36) against our Client. Two Hundred Eight Dollar ($208.66) Settlement.
  • 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.
  • West Bloomfield, MI: Major Bank pursuing One Hundred Ninety Five Thousand and One Hundred and Three Dollar and 00/100 cents ($197,103.00) judgment against our Client.  Twenty Six Thousand Dollar and 00/100 ($26,000.00) 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.
  • Birmingham, MI: Major Credit Card Company pursuing Nine Hundred Dollar and 00/100 ($900.00) judgment against our client.  One Hundred Fifty Dollar ($150.00) Settlement.  Case Dismissed.

We are licensed Michigan attorneys with offices in Troy, MI, and our Offices provide debt collection defense to both individual and business clients throughout the entire state of Michigan.We would glad to defend you or your business. For more information about Debt Collection defense cases, and 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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