How to Resolve Debt With Stillman Law Office

Stillman Law Office reaching out about a debt? You might question whether they’re legitimate.

They are. Stillman Law Office is a real debt collection law firm. But they must follow the Fair Debt Collection Practices Act (FDCPA). You have rights. You have options. Our partner Solo helps you navigate the situation and settle your debt.

What is Stillman Law Office?

Stillman Law Office is a Michigan-based law firm specializing in third-party debt collection. They’ve been in business for 14 years. Their clients range from small organizations to international companies.

They collect debt across multiple industries:

• Insurance companies
• Financial institutions
• Hospitals and healthcare providers
• Automotive lenders

As a law firm, they also provide legal services. They handle lawsuit representation, garnishment orders, attachments, and repossession actions.

Here’s how to contact Stillman Law Office:

• Phone: 888-286-5001
• Address: 30057 Orchard Lake Road Suite 200, Farmington Hills, MI 48334
• Email: info@stillmanlaw.com
• Website: stillmanlaw.com

Stillman Law Office Reviews: Communication Matters

Stillman Law Office is a legitimate debt collector. They’re not yet accredited by the Better Business Bureau. Online reviews vary widely.

Some consumers report challenges. Others have positive experiences, especially when they communicate openly.

A consumer named Jennifer shared this encouraging story on Google:

“I’ve had nothing but pleasant and positive interactions. I dealt with one individual, Michael, even when I was ill he cut me a break on my payment. He said he could hear how sick I was and extended my payment even further. Always, always pleasant to interact with. Now, and take no offense anyone reading this, I’ve always been pleasant and accommodating with them. Owned up to my debt. Owned up to the money I could pay, answered all of their calls when they did call. I was straight up with them so they’ve been straight up with me.”

Her review highlights an important point. When you’re transparent and cooperative, collectors often show flexibility and understanding.

You have legal rights when working with Stillman Law Office. You can request debt validation. You can negotiate payment terms. You can protect yourself with the right knowledge.

Resolve Debt With Stillman Law Office in 3 Steps

Settling your debt is simpler than you think. Follow these three steps:

• If you’ve been sued, respond to the Stillman Law Office lawsuit
• Negotiate and settle your debt with Stillman Law Office
• Get the settlement agreement in writing

Each step protects your rights and moves you toward resolution.

Step 1: Respond to Stillman Law Office Debt Lawsuit

Stillman Law Office sues debtors who ignore their collection attempts. If you’re facing a lawsuit, don’t panic. You can still resolve the debt.

You must respond before your state’s deadline to avoid default judgment. Your response shows collectors you’re willing to engage.

1. Answer Each Claim in the Complaint

The lawsuit includes a complaint document. It lists allegations Stillman has made against you. Respond to each allegation in one of three ways:

• Admit: You agree with the allegation
• Deny: You want Stillman to prove the allegation
• Deny due to lack of knowledge: You don’t know if it’s accurate

Debt specialists often advise denying most allegations. Make the creditor prove their case in court. It may increase your chances of negotiating a better settlement.

2. Assert Your Affirmative Defenses

Affirmative defenses explain why you’re not responsible for the debt. Or why you shouldn’t have to pay it.

Saying you lack money isn’t a viable defense. You may lose favor with the judge.

Use these affirmative defenses instead:

• The statute of limitations on the debt has expired
• The debt information is incorrect
• Stillman Law Office violated your consumer rights
• You paid off the debt or it was canceled
• Stillman hasn’t shown legal standing to collect on behalf of the creditor

Our partner Solo can help you draft your affirmative defenses with their Answer document service.

3. File the Answer and Send a Copy to Stillman

Filing your Answer is critical. If you draft an excellent response but miss the deadline, Stillman will receive a default judgment.

Make three copies of your Answer document:

• Send one to the court indicated in the lawsuit
• Send one to Stillman Law Office
• Keep one for your records

Do this before your state’s Answer deadline. Our partner Solo can draft and file your Answer for you.

Step 2: Negotiate and Settle Your Debt With Stillman

After you respond to the lawsuit, you’ve bought yourself time. Now you can work out a settlement plan.

Start by reviewing your finances. Figure out how much you can afford to pay. Consider either a lump sum or monthly payments.

Then reach out to Stillman Law Office. Make an initial offer. Start low, typically between 30-60% of the total debt. Give yourself room to negotiate.

Stillman Law Office often works with consumers who promise to pay a lump sum. Based on typical debt settlements, offer at least 60% of the debt value. But the final decision rests with you.

If you can’t pay that much, communicate your circumstances. Explore whether Stillman is willing to accommodate your situation.

Being honest and proactive helps. Many consumers report positive interactions when they clearly communicate their financial situation. Staying responsive during the process makes a difference.

Our partner Solo offers a tech-based approach to debt settlement. Their software helps you send and receive settlement offers until you reach an agreement. Once you do, they help you manage the documentation and transfer your payment securely.

Step 3: Get the Settlement Agreement in Writing

If Stillman Law Office agrees to settle, get the agreement in writing before paying anything. Don’t skip this step.

The written settlement agreement should clearly include:

• The total amount you’ll pay
• The payment deadline or payment schedule
• A statement that the payment settles the debt in full

Written documentation protects you from future collection attempts on the same debt. It ensures both sides understand the terms.

Once you have the agreement, pay the settled amount on time. Close the matter for good.

Our partner Solo can help you receive and store your settlement agreement securely.

The FDCPA Protects Your Rights as a Consumer

The Fair Debt Collection Practices Act (FDCPA) protects your rights when debt collectors contact you. These guidelines prevent collectors from mistreating, harassing, or scamming you.

Debt collectors cannot:

• Make numerous calls in a day for the same debt
• Threaten to take and keep sensitive documents until you pay
• Talk to your colleagues, neighbors, and family members about your debt
• Refuse to give more information about themselves and your debt
• Fail to verify the debt on request

Your right to debt validation can help you respond to initial contact from Stillman. It can potentially prevent a debt lawsuit. Debt validation can also force collectors to stop contacting you.

How to Request Debt Validation

Under the FDCPA, you have 30 days to request debt validation. The 30 days start when you first receive written communication from the collector.

Send a Debt Validation Letter. Once Stillman Law Office receives your letter, they must provide evidence before contacting you again:

• The name of the original creditor and the total amount due
• A copy of the contract where you agreed to take on the debt
• The date of the last payment made on the account
• The age of the debt
• An explanation of whether the debt is past your state’s statute of limitations
• Stillman Law Office’s debt license number in your state

If a debt collector fails to validate your debt, or if they violate any part of the FDCPA, submit a complaint. File with the Fair Trade Commission, your state’s attorney general, the CFPB, and the BBB.

You Have Options to Resolve Your Stillman Law Office Debt

Stillman Law Office operates as both a law firm and collection agency. They’re legitimate, but you have rights.

If they’ve contacted you, respond promptly. Request debt validation if needed. Answer any lawsuit before your state’s deadline.

Negotiate a settlement that works for your budget. Get everything in writing. Stay proactive and honest throughout the process.

Our partner Solo makes it easy to respond to lawsuits, send letters to collectors, and settle debts. Their Answer service guides you through completing your legal response. Their attorneys review your document and file it for you.

No matter where you are in the debt collection process, help is available. You can resolve your Stillman Law Office debt and move forward.