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Dealing with Avantus Debt Collectors: A Comprehensive Guide

You’re here, because you’ve received a notice from Avantus debt collectors, and you need help, it’s that simple. But, take a deep breath, you’ve come to the right place. We’re Spodek Law Group, an elite criminal defense firm, and we’re here to guide you through this situation, step-by-step.

Understanding Avantus Debt Collectors

First things first, let’s clarify who Avantus is. Avantus is a legitimate debt collection agency, operating across the United States. They act as agents for original creditors and debt buyers, aggressively pursuing collections on their behalf. So, yes, they’re real, and they mean business.

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But, that doesn’t mean you’re defenseless. You have rights, and we’ll ensure Avantus respects them. Our goal? To help you navigate this situation with confidence and clarity.

Verifying the Debt

Before we dive into solutions, we need to verify one crucial thing: is this debt actually yours? Debt collectors, even legitimate ones like Avantus, can make mistakes. So, the moment you receive notice from them, send a debt validation letter. This letter demands proof that:

  1. You are the rightful debtor.
  2. The amount they’re claiming is accurate.
  3. They have the legal authority to collect this debt.

Don’t worry, we’ll guide you through drafting this letter. But, remember, you only have 30 days from their initial contact to dispute the debt. Miss this window, and it becomes significantly harder to challenge them.

Your Rights Against Harassment

Even if the debt is legitimate, Avantus can’t harass or intimidate you into paying. The Fair Debt Collection Practices Act (FDCPA) protects you from:

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  • Calls before 8 AM or after 9 PM
  • Repeated, excessive calls designed to annoy you
  • Threats of violence or harm
  • Use of profane or obscene language
  • Discussing your debt with others without your consent

If Avantus oversteps these boundaries, we’ll file a complaint with the Consumer Financial Protection Bureau (CFPB) and your state’s attorney general. Their behavior has consequences.

Negotiating with Avantus

Assuming the debt is valid, you have two options: pay in full or negotiate. We recommend the latter. Why? Because debt collectors like Avantus often purchase debts for pennies on the dollar. This gives you leverage to settle for a reduced lump sum.

But, don’t go it alone. Negotiating with seasoned debt collectors is an art. One misstep, and you could reset the statute of limitations or inadvertently validate the full debt. That’s why we insist on handling negotiations for you.

Our team has spent years mastering debt settlement tactics. We know how to apply pressure without compromising your rights or finances. And we’ll ensure any agreement is binding and properly documented, protecting you from future harassment.

When to Seek Professional Help

Let’s be honest, dealing with debt collectors is stressful and confusing. You might feel overwhelmed or tempted to ignore Avantus altogether. But, that’s the last thing you should do. Ignoring them won’t make this go away. In fact, it could lead to wage garnishment or a lawsuit against you.

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That’s why we urge you to seek professional help early on. Our consultations are free, and we’ll assess your situation objectively. If negotiation is possible, we’ll pursue it aggressively. If not, we’ll explore other debt relief options or, if necessary, defend you in court.

The key? Don’t try to tackle this alone. With so much at stake, you need a tenacious legal advocate in your corner.

The Spodek Law Group Difference

You have a choice when it comes to legal representation. But, we aren’t like other law firms. We leave no stone unturned in pursuit of the best possible outcome for our clients. Everything we do focuses on results, not just resolving your case quickly.

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From in-depth case research to consistent communication, we embrace a hands-on approach. Our firm holds regular meetings to discuss strategy, ensuring we’re always two steps ahead. And if an emergency arises, we have a full team ready to jump into action.

Make no mistake, we take an aggressive stance against unscrupulous debt collectors and prosecutors. But, we balance that tenacity with empathy. We know you might feel embarrassed or hesitant to discuss your situation. That’s why we foster an environment of transparency, encouraging you to speak openly so we can provide the best advice.

Dealing with debt collectors is daunting. But, with Spodek Law Group by your side, it doesn’t have to be. We’re here to protect your rights, negotiate fair settlements, and, if needed, fight tirelessly for you in court. All you have to do is take that first step and schedule a consultation.

It’s simple. Every client deserves honesty and white-glove service from their legal team. That’s the Spodek Law Group promise. Reach out today, and let’s start defending your future.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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