Sued by RAS LaVrar? Settle Debt in 3 Steps

Getting sued by RAS LaVrar can feel overwhelming. You’re not alone, and you have options.

You can settle your debt without going to court. The process requires three strategic steps and quick action.

Respond to RAS LaVrar Before Your Deadline

Filing an Answer protects you from default judgment and wage garnishment. Don't let RAS LaVrar win automatically because you missed the deadline.

File Your Answer Now

What Is RAS LaVrar?

RAS LaVrar is a debt collection law firm based in Plantation, Florida. They operate in nine states across the country.

The firm collects debts for various creditors and debt buyers. They handle credit card bills, auto loans, and personal loans.

RAS LaVrar pursues debts aggressively once they acquire them. Expect repeated phone calls, letters, and potential lawsuits.

They represent over 40% of the US population through their regional offices. Their reach extends from Florida to New York and Texas.

RAS LaVrar Contact Information

You’ll need these details to negotiate your settlement:

Phone: 954-735-4455
Email: negotiations@raslavrar.com
Address: 1133 S University Dr, Plantation, FL 33324
Website: raslavrar.com

How to Settle Your RAS LaVrar Debt

You received a Summons and Complaint. Now it’s time to act.

Taking these three steps can reduce your debt significantly. You can avoid court and resolve the matter quickly.

Step 1: Respond to the Lawsuit Immediately

Filing an Answer protects you from default judgment. Default judgment means RAS LaVrar wins automatically.

You must file your Answer before your state’s deadline. Deadlines range from 14 to 35 days depending on location.

Our partner Solo can help you draft and file your response correctly.

Your Answer must include specific components:

Court and party information
Response to each claim in the Complaint
Your affirmative defenses
Certificate of service proving you served the plaintiff

Respond to every paragraph in the Complaint. Admit, deny, or deny due to lack of knowledge.

Denying forces RAS LaVrar to prove their claims. They bear the burden of proof in court.

Common Affirmative Defenses

Several defenses may apply to your case:

The amount claimed is incorrect
The debt exceeded the statute of limitations
No valid contract exists between you and the creditor
You already paid the debt

File two copies of your Answer. Send one to the court and one to RAS LaVrar.

Use certified mail with return receipt requested. Keep proof of delivery for your records.

Step 2: Make a Settlement Offer to RAS LaVrar

After filing your Answer, initiate settlement negotiations. Send a realistic offer in writing.

Start below what you can actually afford. This gives you negotiation room for counteroffers.

Calculate your available settlement funds using this formula:

Available amount = (monthly income – monthly expenses) + savings

Many debt collectors accept 60% of the original debt. RAS LaVrar may settle for similar amounts.

Send your offer via email and certified mail. Use the contact information provided above.

Step 3: Get Everything in Writing

Never pay before securing a written settlement agreement. Written terms protect you from future disputes.

The agreement must include specific settlement terms. Both parties must sign before you make payment.

Review the document carefully before signing. Confirm the settlement amount and payment terms match your negotiation.

After signing, use the RAS LaVrar payment portal. Make your payment according to the agreed schedule.

Our partner Solo can automate this entire negotiation process for you.

Why Quick Action Matters

Time works against you in debt collection lawsuits. Missing your Answer deadline results in automatic loss.

Default judgments allow wage garnishment and bank levies. RAS LaVrar can collect without further negotiation.

Responding immediately puts you in control. You create leverage for better settlement terms.

Understanding Your Rights

Debt collectors must follow specific rules. The Fair Debt Collection Practices Act protects you.

RAS LaVrar cannot harass or threaten you. They must validate the debt when requested.

You have the right to dispute the debt. You can request proof of the original creditor.

Document every interaction with RAS LaVrar. Save letters, emails, and call records.

Settlement Negotiation Tips

Remain calm and professional during negotiations. Emotional responses weaken your position.

Request debt validation before making offers. Verify RAS LaVrar owns your debt legally.

Consider offering a lump sum payment. Collectors often accept less for immediate payment.

Never reveal your maximum budget. Start low and negotiate upward gradually.

Get payment plan options in writing. Understand all terms before committing.

Frequently Asked Questions

What is RAS LaVrar and why are they suing me?

RAS LaVrar is a debt collection law firm based in Florida that operates in nine states. They sue on behalf of creditors and debt buyers to collect unpaid credit card bills, auto loans, and personal loans. They purchased or were hired to collect your debt and filed a lawsuit to recover the amount owed.

How do I respond to a RAS LaVrar lawsuit?

File an Answer with the court before your state's deadline, which ranges from 14 to 35 days. Your Answer must respond to each claim in the Complaint and include your affirmative defenses. Send copies to both the court and RAS LaVrar via certified mail with return receipt requested.

Can I settle with RAS LaVrar for less than I owe?

Yes, many debt collectors including RAS LaVrar accept settlement offers around 60% of the original debt. Calculate what you can realistically afford, then start negotiations below that amount. Always get the settlement terms in writing before making any payment.

What happens if I ignore a RAS LaVrar lawsuit?

Ignoring the lawsuit results in a default judgment against you. RAS LaVrar can then garnish your wages, levy your bank accounts, and place liens on your property. Always respond to the lawsuit by filing an Answer before the deadline.

How long does RAS LaVrar have to sue me for debt?

The statute of limitations varies by state and debt type, typically ranging from three to six years. If the debt exceeds your state's statute of limitations, you can use this as an affirmative defense in your Answer to get the lawsuit dismissed.

Sued by RAS LaVrar? Settle Your Debt in 3 Steps