Outils et ressources

ndreu, Palma, Lavin & Solis PLLC is a multi-jurisdictional law firm with deep experience in civil litigation and the recovery of a broad range of financial products. Our attorneys and staff understand the challenges facing both lenders and borrowers, and we approach every case with integrity, structure, and open communication.

Many people who default on financial obligations are facing difficult circumstances. We never lose sight of that. While we vigorously defend our clients’ rights, we also listen, communicate, and work toward fair resolutions whenever possible.

Civil Litigation & Contract Disputes
‍We litigate claims involving breach of contract, unpaid balances, commercial obligations, and disputes between lenders and borrowers.

Creditor Rights
As experienced creditor rights lawyers, we help financial institutions enforce legal obligations while maintaining compliance and fostering cooperative communication with consumers.
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‍Debt Collection and Financial Product Recovery
We represent major financial institutions and handle cases involving:

• Credit card defaults
• Personal loans
• Business loans and lines of credit
• FinTech lending
• Auto deficiency balances
• Subrogation and insurance-related claims

Our firm is uniquely positioned to manage these matters from initial placement through post-judgment enforcement.
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Judgment Enforcement
Once a judgment is obtained, we immediately analyze assets, income, business affiliations, vehicles, bank accounts, and real estate to determine the most effective remedies.

We pursue levies, wage garnishments, bank garnishments, and property liens when permitted by law.

If you received a call or letter from the Andrea Palma Law Firm, we encourage you to reach out. Contacting us is the best way to learn what options may be available to resolve your account.

We take a practical, compassionate approach:

• We listen to your circumstances.
• We look for solutions that work for both you and our client.
• We encourage communication because it leads to better outcomes.
• We explain the process clearly, so you understand your rights and responsibilities.

While our creditor clients make the final decisions on settlement or payment offers, we always work toward favorable, realistic resolutions whenever possible.

To ensure efficiency and compliance, we follow a structured system:

• Step 1 – File Receipt and Review: We evaluate the account for validity, completeness, and enforceability.
• Step 2 – Demand and Contact: We issue a demand and attempt to engage the customer to encourage pre-litigation resolution.
• Step 3 – Filing Suit: If authorized by the client and resolution is not achieved, we file a lawsuit and serve all responsible parties.
• Step 4 – Litigation and Hearings: We attend hearings, file necessary motions, and continue working toward resolution.
• Step 5 – Judgment: We pursue judgment for the remaining balance, fees, and costs.
• Step 6 – Post-Judgment Execution: We analyze available assets and pursue any lawful remedies to enforce the judgment.