How to Settle Debt With Moxley and Associates (3-Step Guide)

You owe a debt. Now Moxley and Associates is calling you.

Maybe they’ve already filed a lawsuit against you. You need to act fast.

Moxley and Associates (formerly Holloway & Moxley) is a debt collection law firm. They buy old debts and sue consumers to collect them.

You can beat them. You can settle your debt for less than you owe.

Here’s exactly how to do it.

What to Do When Moxley and Associates Sues You

Ignoring a debt lawsuit makes everything worse. A default judgment means wage garnishment and property liens.

You must respond to protect yourself. Here’s the typical timeline:

• You receive a call or letter about the debt (180 days past due)
• Within five days, you get a debt validation letter
• You have 30 days to dispute the debt or request verification
• If you don’t respond, they file a lawsuit
• You receive a court summons with a deadline
• If you miss that deadline, you lose automatically

The moment you receive a summons, your clock starts ticking. Most states give you 20-30 days to respond.

Respond to the Lawsuit Immediately

Filing an Answer is your first defense. An Answer is your written response to the lawsuit.

You file it with the court and send a copy to Moxley and Associates. Our partner Solo can help you draft and file your Answer quickly.

Your Answer stops a default judgment. It buys you time to negotiate a settlement.

Without an Answer, you automatically lose. The court grants everything Moxley asks for.

Challenge the Lawsuit if Something’s Wrong

Debt collectors make mistakes. Review your case for these common errors:

• Wrong person: They sued someone with a similar name
• Already paid: You settled this debt years ago
• Wrong amount: The balance includes illegal fees or interest
• Statute of limitations expired: The debt is too old to collect legally

The statute of limitations varies by state and debt type. It ranges from three to 20 years.

If the statute has passed, they cannot legally sue you. You can use this as a defense in your Answer.

Settle Debt With Moxley and Associates in 3 Steps

You don’t have to pay the full amount. Debt collectors often accept less.

Follow these three steps to negotiate a settlement:

Step 1: File Your Answer

Draft a written Answer to the lawsuit. File it with the court clerk.

Send a copy to Moxley and Associates at their office address. Keep proof of mailing.

Your Answer protects you from default judgment. It signals that you’re serious about fighting back.

Even if you plan to settle, file the Answer first. It gives you leverage during negotiations.

Step 2: Make a Realistic Settlement Offer

Calculate what you can afford to pay. Review your monthly income and expenses.

Don’t lowball them. If you owe $10,000, don’t offer $100.

A realistic starting offer is 30-50% of the debt. If you owe $5,000, offer $1,500 to $2,500.

Our partner Solo can help you negotiate with Moxley and Associates. They handle the back-and-forth communication for you.

Be ready for counteroffers. Negotiation takes multiple rounds.

Stay firm but flexible. Know your maximum payment before you start.

Step 3: Get Everything in Writing

Once you reach an agreement, demand a written settlement agreement. Never accept a verbal agreement.

The agreement must include:

• The settlement amount you’ll pay
• The payment schedule or due date
• Confirmation that this settles the debt in full
• Agreement to dismiss the lawsuit
• Signatures from both parties

Don’t make any payments until you have the signed agreement. Read every word before signing.

After paying, keep all records. Request a confirmation letter stating the debt is satisfied.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collectors. Moxley and Associates must follow strict rules.

Debt collectors cannot:

• Call you before 8 a.m. or after 9 p.m.
• Use profanity or threaten violence
• Lie about how much you owe
• Threaten to seize property they have no right to take
• Contact you after you hire an attorney
• Harass your family, friends, or employer

If Moxley violates these rules, document everything. You may have a counterclaim against them.

FDCPA violations can result in damages up to $1,000 plus attorney fees.

What Is Moxley and Associates?

Moxley and Associates LLC is a debt collection law firm. They used to be called Holloway & Moxley.

They’re based in Montgomery, Alabama. The firm specializes in debt collection lawsuits and creditor rights.

Moxley and Associates is a legitimate company. However, they’re not accredited by the Better Business Bureau.

They represent creditors and debt buyers. Their job is to collect as much money as possible from you.

Contact Information for Moxley and Associates

Ready to negotiate? Here’s how to reach them:

• Address: 556 S Perry St, Montgomery, AL 36104-4616
• Mailing Address: PO Box 4953, Montgomery, AL 36103-4953
• Phone: 866-996-3277 or 334-834-9689

Always communicate in writing when possible. Phone calls leave no paper trail.

Other Options If You Can’t Settle

Sometimes settlement isn’t possible. You have other options.

Prove You’re Judgment Proof

If your income is below a certain threshold, you may be judgment proof. Your wages cannot be garnished.

Social Security benefits and disability payments are usually protected. Check your state’s exemption laws.

Being judgment proof doesn’t erase the debt. But it limits what collectors can take from you.

Consider Bankruptcy as a Last Resort

Bankruptcy eliminates most unsecured debts, including credit cards and medical bills. Chapter 7 bankruptcy can discharge your debt entirely.

Chapter 13 creates a payment plan based on your income. After three to five years, remaining debt is discharged.

Bankruptcy damages your credit for seven to ten years. Only consider it if you’re drowning in multiple debts.

Even threatening bankruptcy can improve your negotiating position. Creditors often prefer settlement to getting nothing in bankruptcy.

Take Action Today

Moxley and Associates won’t go away on their own. Ignoring them guarantees you’ll lose.

File your Answer to stop a default judgment. Start negotiating a settlement you can afford.

Get everything in writing before paying a single dollar. Protect your rights throughout the process.

You can beat this lawsuit. You can settle for less than you owe.

But you must act now before your deadline passes.