Frequently Asked Questions

Have a question?   See if it’s been answered here:

  • 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 of their defaulted debts.  The buyer of these debts inherits the Creditors Rights. The debtor (person who owes the money) now owes the money to the buyer of those debts.

  • 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 or call us at 888-888-8888

  • 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 commonly resolve accounts once they reached the judgment stage.  Judgments enable our firm and our clients to pursue remedies on an involuntary basis, but we are always open to the possibilities of entering into a voluntary arrangement whenever 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

  • No!  Our services are paid for by our client, which is the bank or creditor who is owed the money.  We don’t charge fees from our firm to any consumers in which we are engaged in litigation or collections against.  We represent the banks, and they pay us for our work

  • Although we appreciate offers, settlements, and resolving cases, Andreu & Palma doesn’t own the debt and cannot always make the final decision for resolution.  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

  • Often times, money is not the only thing necessary to resolve a case, but it is always a good start.  We usually need an agreement in writing that both the law firm and the defendants sign to memorialize the agreement amongst the parties.  We in turn may file this with the court as evidence that the case is resolved

  • We understand that sometimes things happen making it difficult to maintain agreements.  We encourage people to always setup settlements that they can afford, but if you are in default, it can lead to adverse action being taken.  We strongly encourage you to reach out to the firm to try and create a better resolution on your file

  • We strongly recommend you enter into an arrangement with our firm on any case we are involved in.  Without your cooperation in a settlement, the court case will proceed whether you attend or not

  • 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

Don’t see what you’re looking for? Feel free to contact us with any questions you have!

Office Address


Andreu, Palma, Lavin & Solis, PLLC

815 NW 57th Ave

Suite 401

Miami, FL 33126

Office Hours

MON – FRI: 8am to 6pm


Support: (877) 631-0174
OR send us an email to

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