How to Settle Debt with Hunt and Henriques in 3 Steps
Hunt and Henriques is a debt collection law firm representing major creditors. You can settle for 30-50% of your debt by validating it first, negotiating payment terms, and getting written settlement agreements before paying anything.
Settle Your DebtIf Hunt and Henriques contacted you, take action immediately. The firm represents major creditors and debt buyers pursuing unpaid accounts. Ignoring them can lead to lawsuits, wage garnishment, and bank levies.
Hunt and Henriques works for companies like Portfolio Recovery, LVNV Funding, Citibank, and Wells Fargo. They handle credit card debt, auto deficiencies, and business card accounts.
Respond to Hunt and Henriques Before Your Court Deadline
Hunt and Henriques filed a lawsuit against you? Your Answer deadline is approaching fast. Get help responding to the summons and negotiating settlement before judgment.
Respond to LawsuitYou can settle your debt before court. Our partner Solo helps you respond to lawsuits and negotiate settlements with debt collection attorneys.
What Is Hunt and Henriques?
Hunt and Henriques is a California debt collection law firm. They don’t buy debts themselves. Instead, creditors and debt buyers hire them to collect money through legal action.
The firm sends collection letters, makes phone calls, and files lawsuits. They negotiate within guidelines set by their clients. You can reach out first to discuss settlement options.
Contact Information
- Address: 7017 Realm Drive, San Jose, CA 95119
- Phone: 800-680-2426
- Email: info@hunthenriques.com
- Website: www.hunthenriques.com/consumers/
How to Settle with Hunt and Henriques
Settlement avoids court costs, time loss, and potential judgments. Follow these three steps to resolve your debt.
Step 1: Demand Debt Validation
Request written proof before negotiating anything. The Fair Debt Collection Practices Act gives you this right. Hunt and Henriques must verify they own the debt and can legally collect it.
Ask for documentation showing the original creditor, account number, and amount owed. Validation buys you time to review your situation. It also identifies errors that could dismiss the entire debt.
Step 2: Negotiate a Lower Settlement Amount
Start your offer at 30% to 50% of the total debt. Lump sum payments get better deals than payment plans. Creditors prefer immediate money over drawn-out collections.
Speak with the Hunt and Henriques attorney assigned to your case. Stay polite but firm about your financial limitations. They have settlement authority within ranges set by their client.
Our partner Solo can help you negotiate settlement offers without stress or phone calls.
Step 3: Get Written Settlement Terms
Never pay without a signed agreement first. Your settlement letter should state the payment amount settles the debt completely. Hunt and Henriques must agree not to pursue further collection or legal action.
Confirm they’ll report the account as “settled” or “paid” to credit bureaus. Keep this document permanently. You’ll need it if collection attempts continue later.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from abusive collection tactics. Hunt and Henriques must follow these federal rules despite being a law firm.
Debt collectors cannot legally do the following:
- Call before 8 AM or after 9 PM
- Use obscene or profane language
- Threaten actions they cannot legally take
- Falsely claim to be law enforcement
- Harass you with repeated calls
- Contact you at work after you request they stop
- Discuss your debt with family or employers
You can sue for FDCPA violations. Debt collectors pay up to $1,000 plus attorney fees for breaking these rules.
Hunt and Henriques Notice of Intent to File Suit
A “Notice of Intent” letter means Hunt and Henriques hasn’t filed a lawsuit yet. They’re warning you that legal action is coming soon.
Take this letter seriously. You have a short window to settle before court proceedings begin. Contact them immediately to negotiate payment terms.
What to Do If You’re Sued
Hunt and Henriques will serve you with a summons and complaint. These documents identify you as the defendant and state how much you owe.
You must file an Answer within your state’s deadline, typically 20 to 30 days. Missing this deadline gives Hunt and Henriques an automatic win through default judgment.
Default judgments allow immediate wage garnishment and bank account seizures. Respond to every lawsuit, even if you can’t afford an attorney. Our partner Solo helps you create proper court responses and negotiate settlements to avoid judgment.
After a Judgment
Hunt and Henriques can garnish your wages after winning a judgment. They can also place liens on your property or freeze your bank accounts.
Settlement remains possible even after judgment. Creditors often accept reduced amounts to avoid enforcement complications.
Hunt and Henriques Reviews and Complaints
Hunt and Henriques has an A+ Better Business Bureau rating. However, customer reviews average only 1 out of 5 stars.
The Consumer Financial Protection Bureau lists hundreds of complaints against the firm. Common issues include aggressive collection tactics and communication problems.
Protect Yourself from Collection Lawsuits
You have power in debt collection situations. Know your rights under federal law. Demand validation before paying anything.
Negotiate from a position of knowledge. Hunt and Henriques wants to close your case quickly. Creditors accept reduced settlements rather than risk getting nothing.
Don’t face collection attorneys alone. Our partner Solo provides tools to respond to lawsuits and settle debts outside court.