How to Resolve a Grant and Weber Lawsuit for Debt

You started receiving phone calls from Grant and Weber. Now you’re facing a lawsuit for unpaid debt. Don’t panic. You have options to fight back and resolve your debt.

You can respond to the lawsuit and negotiate a lower settlement. Here’s everything you need to know about Grant and Weber and how to handle their debt collection lawsuit.

What Is Grant and Weber?

Grant and Weber, Inc. is a debt collection agency operating since 1977. The company collects consumer and medical debt across three states. They serve clients in multiple industries throughout California, Nevada, and Arizona.

You can reach Grant and Weber at these locations:

• Arizona: 13634 E. Williams Field Rd Space #5, Gilbert, AZ 85295
• California: 26610 Agoura Road Suite 209, Calabasas, CA 91302
• Nevada: 5586 S. Fort Apache Rd Suite 110, Las Vegas, NV 89148

Their primary phone number is 818-871-7700. You can also contact them through their online contact form.

Grant and Weber Collections Reviews

Grant and Weber is a legitimate debt collection company. However, they are not BBB accredited. The Better Business Bureau gives them an F rating.

As of November 2023, the BBB recorded 14 consumer complaints against the company. The Consumer Financial Protection Bureau lists 248 complaints in their database. Many complaints allege threatening or intimidating collection practices.

WalletHub users give Grant and Weber an average rating of 2.5 stars out of 5. Consumer reviews frequently mention aggressive collection tactics and poor communication.

Know Your Rights When Grant and Weber Contacts You

Debt collectors cannot intimidate you into paying. The Fair Debt Collection Practices Act protects consumers from abusive collection tactics.

Grant and Weber cannot legally do the following:

• Call you more than once per day
• Fail to identify themselves as a debt collector
• Call you before 8 a.m. or after 9 p.m.
• Contact your friends, family, or coworkers about your debt
• Refuse to validate your debt when requested
• Contact you after receiving a Cease and Desist Letter

Report any FDCPA violations to the Federal Trade Commission. Call 877-382-4357 or file a complaint on the FTC website. You can also report violations to the CFPB at 855-411-2372.

Respond Quickly to a Grant and Weber Lawsuit

Grant and Weber sued you for unpaid debt. You must file an Answer with the court immediately. Your Answer shows you’re willing to defend yourself against the lawsuit.

Deadlines vary by jurisdiction. Some courts give you only two weeks to respond. Missing your deadline results in a default judgment against you.

A default judgment means you lose your chance to negotiate. Grant and Weber can collect the full amount plus additional legal fees. Our partner Solo helps you draft and file your Answer quickly.

Grant and Weber maintains an in-house legal team. The company also works with a nationwide network of attorneys specializing in credit union collections.

Ask Grant and Weber to Validate Your Debt

You have the right to verify the debt belongs to you. Send a Debt Validation Letter to Grant and Weber within 30 days of first contact.

Your validation letter should request:

• The identity of your original creditor
• The date and amount of the original debt
• Complete payment history
• The age of the debt
• Proof connecting you to the debt

Grant and Weber must provide this information or stop collection attempts. They cannot continue collection activity without validating your debt. Validation helps you identify errors and potentially fight the lawsuit.

Debt collectors make mistakes. They sometimes pursue debts that don’t belong to you. Validation protects you from paying someone else’s debt.

Settle Your Debt with Grant and Weber

Most debt collectors prefer settling over lengthy court battles. You can resolve your debt for less than the original amount. Negotiation saves both parties time and money.

Start by Offering 60% of the Original Amount

Begin negotiations at 60% of the total debt. Grant and Weber may reject your first offer. The rejection opens the door for counteroffers and negotiation.

Example: Sarah owed $5,000 to Grant and Weber. She offered $3,000 (60% of the original debt). Grant and Weber countered with $3,500. Sarah declined and proposed $3,250. Grant and Weber accepted this 65% settlement.

Our partner Solo helps you negotiate effectively with Grant and Weber. The right approach can save you thousands of dollars.

Get Your Settlement Agreement in Writing

Never accept a verbal settlement agreement. Always request written documentation before making any payments. Written agreements protect you from future collection attempts.

Your settlement agreement should include:

• The exact settlement amount
• Payment terms and deadlines
• Confirmation that payment satisfies the debt in full
• Agreement not to pursue further collection

Keep all emails and letters from Grant and Weber. Documentation prevents dishonest collectors from seeking additional payments later. Save copies of every payment you make.

Commit to Your Repayment Schedule

Honor your settlement agreement once you accept the terms. Grant and Weber offers an online payment portal for convenience. Make your payments on time to avoid reviving the lawsuit.

Missed payments can void your settlement agreement. Grant and Weber may resume collection efforts for the full original amount. Stick to your schedule and resolve your debt for good.

What Happens After You Settle

Settling with Grant and Weber resolves your immediate debt problem. Your credit report will show the account as settled. A settled account is better than a judgment or unpaid debt.

You can start rebuilding your credit after settlement. Pay all current bills on time. Keep your credit card balances low. Monitor your credit report for accuracy.

Grant and Weber should report the settlement to credit bureaus. Verify they update your account status correctly. Dispute any errors you find on your credit report.

When to Consider Other Debt Relief Options

Settlement works well for single debts or smaller amounts. Multiple lawsuits or overwhelming debt may require different solutions. Consider these alternatives if settlement isn’t enough.

Debt Management Plans

Debt management plans consolidate multiple debts into one monthly payment. Credit counseling agencies negotiate with creditors on your behalf. You make one payment to the agency, which distributes funds to creditors.

Plans typically last three to five years. Interest rates often decrease under these programs. Our partner Cambridge Credit Counseling can help you explore this option.

Bankruptcy Protection

Bankruptcy may be appropriate for unmanageable debt loads. Chapter 7 bankruptcy eliminates most unsecured debts in three to six months. Chapter 13 bankruptcy creates a three to five year repayment plan.

Bankruptcy stops all collection activity immediately. Grant and Weber cannot continue their lawsuit once you file. You can speak with a bankruptcy attorney for free to discuss your options.

How to Prevent Future Debt Collection Lawsuits

Avoiding future lawsuits starts with managing your current finances. Create a realistic budget that accounts for all expenses. Prioritize debt payments to prevent accounts from going to collections.

Communicate with creditors when you’re struggling financially. Many companies offer hardship programs or payment arrangements. Early communication prevents accounts from reaching collection agencies.

Build an emergency fund to cover unexpected expenses. Even $500 can prevent you from falling behind on bills. Save small amounts consistently until you reach three to six months of expenses.