Certified Minority Owned Law Firm
Certified Minority Owned Law Firm
Who is Andreu, Palma, Lavin & Solis?
3 Steps to Resolve a Debt Case
Resolving Claims So You Can Move Forward
we handle all stages of default including pre-litigation, active litigation, and judgment execution
Andreu, Palma, Lavin & Solis PLLC is a multi-jurisdictional law firm focused on civil litigation, breach of contract claims, debt collection, and judgment enforcement. Based in South Florida, we help consumers and businesses find practical solutions to outstanding financial obligations assigned to our firm for collection. We are driven by helping people find resolution with their unpaid debts so that they can move forward and reclaim normal.
If you have received a letter or phone call from our office, we invite you to contact us today so we can help you resolve your account.
Litigating & Recovering Multiple Financial Products
Our firm has a history of litigating and recovering a broad array of financial products. Our myopic focus on contract disputes, creditors rights, civil litigation, FDCPA, and judgment execution procedures has made us an industry leader when it comes to understanding the needs of institutional clients. Our firm is ideally situated to manage end to end processes in the realm of bank contracts, creditor and customer relationships, commercial litigation, judgment execution, and insurance litigation claims.
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Credit Cards
Our firm has many years of experience in litigating and collecting on defaulted credit cards from the largest issuers in the USA. Our process connects compliance with compassion to get consumers into a voluntary repayment whenever possible.
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Personal Loans
Our firm regularly pursues personal loans that have been extended to our clients’ borrowers. When these loans go into default, our firm pursues the borrower who defaulted on the repayment.
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Judgment Execution
We manage a multi-pronged approach to judgment recovery including reviewing the judgment debtor’s assets, vehicles, bank accounts, places of employment, business affiliations, and real estate for execution and recovery.
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FinTech
Our firm has been instrumental in litigating and collecting for the largest Financial Technology companies in the USA. Our platform is perfectly situated to deal with the complexities of loans from non-bank issuers in multiple jurisdictions.
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Auto Deficiency
Since 2003, our firm has commonly litigated defaulted auto loans and has successfully handled auto levies, replevin actions, and deficiency balance litigation resulting from defaulted automobile loans.
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Breach of Contract
Many banks, financial institutions, and landlords enter into contracts with their borrowers. Once defaulted, our firm regularly litigates and collects on these contracts to protect our client’s interest in the debt the consumer failed to repay.
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Business Loans & Lines of Credit
We have many years of experience representing some of the largest commercial lenders in the pursuit of defaulted business loans and lines of credit from businesses and/or their guarantors.
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Subrogation Litigation
Our firm regularly pursues unpaid liability claims resulting from insurance claims. We have successfully represented insurance companies in tort-feasor claims and subrogated matters.
TESTIMONIALS
Helped me and my family! I just wanted to take a few minutes to commend the team at Andreu & Palma for their help and assistance in a delicate matter they were able to handle for me and my family. I reached out for help and they quickly moved on the matter and had results for me within just a couple of days. The team is very knowledgeable and efficient in their trade, my matter was resolved and we are very grateful. Again, Thank you!
Thanks for Caring! Dear Andreu & Palma. God bless you and thank you for caring about people! I have been through this before but this time it was different. I was treated with respect and professionalism. My representative went above and beyond. Many thanks!
Fast and understanding staff! Andreu & Palma was very professional and helped me move on with my debt. Was able to get a deal done and even save a lil in the mean time. Thumbs up for the fast and understanding staff.
Solutions that Empower
Andreu, Palma, Lavin & Solis PLLC helps financial institutions and their Customers reach an agreement for resolution of their claims. Working together we identify pathways forward that empower the needs of our institutional clients and their customers. More About What We Do
Banks and other financial institutions seeking to collect outstanding consumer and business debts can rely on strong and effective representation from our attorneys. Our goal is to always seek the best solution for every financial obligation in a way that looks out for our client’s interests and is fair and respectful to our client’s customers. Every financial problem has a solution. We work hard to achieve mutually beneficial outcomes and solutions for all parties in the debt collection process.
Questions & Answers
We receive many questions from people about the process for paying outstanding accounts. Here, we provide general answers to help you understand what we do as a law firm, how we work with consumers and businesses toward resolving financial issues on behalf of our creditor clients, and the solutions that may be available to pay off your debt. Read on to learn more.
We are a law firm hired by banks, financial institutions, insurance companies, and creditors to attempt to resolve consumer or commercial debt. We want to work with you to create a payment solution that is appropriate for your unique financial situation. If you have received a lawsuit, letter or phone call from our office, we invite you to contact us today so we can try to help you resolve your account.
Creditors are anyone who is owed money. Typically it would be a bank, a lending company, credit card issuer, debt buyer, or generally any person who is owed money. Our firm represents creditors who are owed money by their customers or borrowers.
Often times banks, lending companies, and financial institutions sell off their defaulted debts. The buyer of these debts inherits the original creditor’s rights, making them the current creditor. For this reason, you may not recognize the name of the current creditor, if different from the original creditor.
There are many ways to pay your outstanding account. To make a payment online, please visit our payment portal. If you prefer to call, please call the toll-free phone number listed above. If you prefer not to speak with anyone, you may also mail a check to the address listed on the Contact Us page.
Your file number is typically listed on any letter you receive from us. If you are having trouble finding it, you can always send an email to HELP@AndreuPalma.com or call us at (877) 631-0174.
YES! We have many ways of resolving an account through a discounted settlement, payment arrangement, or other solution to fit your needs whenever possible. Our client ultimately decides whether or not an offer is acceptable or not, but we do our best to try and create the best possible outcome for all parties involved in the recovery process.
NO! We regularly resolve accounts after judgment. Judgments enable our firm and our clients to pursue involuntary payment solutions through post-judgment proceedings, but we are always open to entering into a voluntary payment arrangement when possible.
The simple answer is yes. The longer explanation is when a third party company is involved, we can only resolve matters when they are in communications with us and have provided proper documentation that they have permission to work on your behalf. Always remember to follow-up with any company you hire to insure they are performing to your desires, especially when there is a lawsuit pending against you.
Although we appreciate offers and strive to resolve cases, Andreu & Palma doesn’t own the debt and does not make the final decision on resolution opportunities. That decision is between our firm and our client. That being said, the better we understand the circumstances behind your offer, the more likely we are to be able to negotiate a favorable outcome. Communication is vital so that we can better understand your specific financial circumstances and what caused the default to begin with.
Once a lawsuit is filed, it is very common that we have to hire a court officer or sheriff to deliver the documents to the home or business of the defendant in the lawsuit. Even if this is occurring, we remain willing to resolve the matter to the best of our abilities.
Yes, we often pursue commercial accounts with and without a personal guarantee. Generally we pursue any liable party who guarantees a debt, including businesses, guarantors, and persons who signed for the debt.
We usually need an agreement in writing that both you and we sign to memorialize the agreed upon resolution. We may then file the agreement with the court as evidence that the case is resolved.
We understand that sometimes things happen making it difficult to maintain agreements. However, if you are in default, it can lead to adverse action being taken. That is why it is important to only set up settlements you can afford. If you are in default of a repayment agreement, we strongly encourage you to reach out to us to try and create a resolution on your account that better meets your particular needs.
We strongly recommend you enter into a resolution agreement with our firm. Without a resolution, the court case may proceed.
No. We represent banks and financial institutions and therefore cannot provide you legal advice. It would be improper of us to provide you advice about your legal rights in a matter in which we represent the creditor who is pursuing you.
If you have additional questions, we invite you to reach out to us via email at HELP@AndreuPalma.com or call our offices at 877-631-0174.
Attorneys with Andreu, Palma, Lavin & Solis, PLLC
Invested in Building Relationships
partnering with individuals & third-party businesses for dispute resolution
At our firm, debt collection is not an antagonistic undertaking. Our attorneys and staff are realistic, and we know that individuals who default on paying money they owe may be in very difficult financial circumstances. We want to understand each person’s circumstance that led to the default in order to offer a favorable resolution. The way we reach that understanding is through open communication that builds relationships. We believe that when we all work together and toward the same goal we can achieve the best outcome for all parties involved in the debt recovery process.
individuals & debt resolution
Working with individuals to identify creative solutions and opportunities to resolve outstanding debt. Click Here to learn more about our services and ways we can help.
Third-Party Relationships
Our team often works with authorized third-party representatives, other attorneys or companies to resolve accounts. Click Here to learn more about how to work with Andreu & Palma.
Received a Letter or Call from Our Office?
LET’S TALK SO THAT WE CAN OFFER YOU SOLUTIONS TO RESOLVE YOUR ACCOUNT
When you have received a call or letter from our office, do not feel anxious about reaching out to us. We will work with you in a compassionate and positive manner to try and resolve your unpaid account situation.
We know that many people across the country are facing tough financial circumstances that make it difficult to pay money they owe. We want to help you find a solution that fits your needs while also safeguarding the interests of our clients.
Even though we do not always make final decisions about accepting account offers—our creditor clients hold that ultimate authority—we always strive to reach favorable outcomes for both sides whenever possible.
Let’s talk so that you can learn how we can help you. The better we understand your financial circumstances, the more likely it is that we can get you a result that works for you. Contact us by calling (877) 631-0174 or using our online form.
Get to Know Our Team
We are driven by helping people find resolution with their unpaid debts. Our attorneys and staff understand the tough economic times many Americans have encountered. We foster an atmosphere of helping others, while being focused on protecting our clients’ interest in the monies owed to them by their customers. Compliance and compassion are the cornerstones of our practice.
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