Frequently Asked Questions

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.