Stenger and Stenger is a law firm that represents creditors in debt collection actions. They may contact you if their creditor client hires them. When you receive a letter from Stenger and Stenger, acting in the capacity of a debt collector, you must take it seriously.
A debt collection attorney at Walker & Walker Law Offices, PLLC can deal with creditors and their agents on your behalf and guide you on how to respond to a letter from Stenger and Stenger debt collectors.
Why Does Stenger and Stenger Send You a Letter?
Stenger and Stenger sends you a letter because they are attempting to collect a debt on behalf of a creditor, such as a bank, lender, or debt buyer. The letter is often the first step in the collection process and is required by law to include certain information, including the amount owed, the name of the creditor, and your right to dispute the debt. In some cases, the letter may warn of possible legal action or invite you to contact them to discuss payment options.
Even though the letter may seem intimidating, it does not automatically mean a lawsuit will follow. It is important to have a debt collection lawyer review a letter from Stenger and Stenger right away so you can discuss how to respond.
Legal Rights When Dealing With a Debt Collector
When dealing with a debt collector, you have important legal rights to protect you from harassment, deception, and unfair practices. Under the Fair Debt Collection Practices Act (FDCPA), collectors cannot threaten you, use abusive language, call excessively, or contact you at inconvenient times. You have the right to request written validation of the debt, which forces the collector to provide proof that you owe the amount claimed.
Collectors are prohibited from misrepresenting what you owe or falsely claiming you will be arrested. You also have the right to tell a collector to stop contacting you, and they must honor that request in most cases. The best way to learn your rights and how to respond to a letter from Stenger and Stenger is to consult a debt collection lawyer.
It Is Your Choice Whether To Engage Debt Collectors
Debt collectors have limits on when and how they can contact you. Under the FDCPA, you can choose to put a stop to any communications from the debt collector, especially if they are being harassing or threatening in the manner that they are addressing you. However, it may be in your interests to engage with the debt collector. You can negotiate with the debt collector and either get extra time to pay or potentially reduce the overall amount of money that you owe. A debt collection attorney can speak with the collector on your behalf and pursue the best outcome while protecting your rights. If you are unsure how to respond to a letter from Stenger and Stenger, our debt collection attorneys are here to help.
Contact a Debt Collection Attorney About Responding to a Letter From Stenger and Stenger
If you are facing aggressive collection calls, threatening letters, or a lawsuit from a creditor or debt collection firm, Walker & Walker Law Offices, PLLC is ready to protect your rights. A debt collection attorney can challenge invalid claims, stop harassment, and pursue fair resolutions on your behalf. Contact Walker & Walker, PLLC today for a free consultation and get guidance on how to respond to a letter from Stenger and Stenger debt collectors.
