How to Settle Debt With Caine and Weiner

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Negotiate with Caine and Weiner by validating the debt, using your budget to calculate a fair offer, starting with a lower offer, and getting the settlement terms in writing. Use Solo to streamline this process.

Being on the receiving end of a debt collection notice can be scary and intimidating. However, it happens, and Solo is here to help. If you are in receipt of a letter from Caine and Weiner attempting to collect a debt, we are here to provide guidance on how to handle it.

Settle debt with Caine and Weiner

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

Understand that Caine and Weiner may not be your original lender. It is a third-party debt collection agency that pursues delinquent and discharged accounts on behalf of companies. Once Cane and Weiner are hired, they seek to collect the amount owed from the borrower using various collection methods.

Your first letter from Caine and Weiner should contain some specific information, including:

  • Your name and contact information
  • The name of your original lender
  • Amount of money owed

The remaining parts of the letter will provide you with instructions on how to pay the debt and a contact number for Caine and Weiner. Another important part of the letter will be directions on how to dispute the debt. By law, you have 30 days to dispute the debt by sending a debt validation letter to Caine and Weiner requesting a debt validation. If you choose to do so, all collections activity will cease by the company until they are able to substantiate your debt.

Even if you're fairly certain the debt is yours, it's important to validate it to ensure that the amount is accurate. Due to the sheer volume of accounts that debt collectors work with, it's not unusual for them to mix up accounts or lose documentation related to a consumer.

Watch this video to learn more about how sending a debt validation letter can help you:

What is Caine and Weiner?

Caine and Weiner is a third-party debt collection agency based in Sherman Oaks, California. It purchases a wide variety of overdue consumer and business debts, including credit cards, loans, and medical debts. The company has been around since 1930, making it one of the oldest debt collection agencies in the United States.

Contact the company at the Caine and Weiner phone number or address listed below:

  • Phone: 1-818-902-4255
  • Address: 5805 Sepulveda Blvd. 4th Floor, Sherman Oaks, CA 91411, USA
  • Mailing Address: PO Box 55848, Sherman Oaks, CA 91413-0848

Who does Caine and Weiner collect for?

Caine and Weiner purchase delinquent and discharged accounts from various companies operating in different sectors of the economy. According to their LinkedIN profile, Caine and Weiner provide first-party and third-party collection services to commercial and consumer businesses in every major industry, including many Fortune 500 Companies. Some of their clients include Kroger, Wurth Baer Supply Company, and International Workplace Group.

Read Caine and Weiner reviews online

Looking for intel about what other people have shared about their debt collection experience with Caine and Weiner? If so, take a moment to check out these legit online reviews:

It’s not unreasonable to say the online reviews for Caine and Weiner are a mixed bag. Nevertheless, there are some online reviews from real consumers indicating that you may be able to have a positive experience communicating with Caine and Weiner about a debt issue. Let’s consider a real example from an individual named Shanita:

“Maria Baren was great and really helpful for my situation, and extremely friendly too.”

Shanita’s brief review highlights an important fact - proactively reaching out to the debt collector improves your odds of reaching a resolution to your debt issue. Effective communication is essential.

Nevertheless, if contacting a debt collector to discuss a debt matter sounds horrifying, then consider using SoloSettle to negotiate online and resolve your debt through our cutting-edge digital settlement platform.

Negotiate with Caine and Weiner to settle your debt

In the event you were served with a Summons and Complaint by Caine and Weiner regarding a debt collection lawsuit, now is the time to act and not bury your head in the sand hoping the debt collection matter will magically disappear. If you take just a few proactive steps, you could potentially get Caine and Weiner to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as following these steps:

  1. Respond to Caine and Weiner’s debt collection lawsuit via a timely-filed Answer. This is important so you avoid getting hit with a default judgment by the court. A default judgment could hamper your ability to engage in meaningful settlement discussions.
  2. Calculate how much you can afford to put toward the amount owed without negatively impacting your ability to pay other important living expenses such as rent, utilities, transportation, etc.
  3. Commence settlement discussions with Caine and Weiner. Generally speaking, your initial settlement offer should be lower than the amount you calculated in Step 2. Why? Because making a lower opening offer provides some room to engage in productive settlement talks and you can negotiate upward.
  4. If you are able to secure an agreement, make sure to get the debt settlement terms and provisions in writing.
  5. Both you and the debt collector need to sign the debt settlement agreement.
  6. Pay the negotiated amount in a timely manner.

To learn more about these tips and others that may assist you on your journey to settle debt with Caine and Weiner, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

What are my rights under the FDCPA?

The FDCPA prevents debt collection agencies from certain actions when attempting to collect a debt. These include:

  • Calling the consumer at odd hours, such as before 8 a.m. or after 9 p.m.
  • Threatening the consumer or using profanity when attempting to collect a debt.
  • Letting the phone ring “off the hook" or repeatedly calling throughout the day.
  • Calling the consumer's place of employment, especially when they are prohibited from doing so.
  • Pretending to be someone they aren't, such as an attorney or law enforcement professional.

These are just a handful of abusive tactics that are prohibited by the FDCPA. However, there are many other activities that are expressly forbidden. If you feel that your rights and protections under the FDCPA have been violated,, you may file a complaint with the Better Business Bureau (BBB) or the Consumer Financial Protection Bureau.

What if I am sued by Caine and Weiner?

If Caine and Weiner is suing you for an unpaid debt, you should act immediately. Otherwise, the court may review the case and file a default judgment against you, which will allow Caine and Weiner to pursue further collection activities. This can include garnishing your wages or placing a lien on your property.

Your next step should be to file a written Answer in the court that responds to the claims of Caine and Weiner. In your Answer, you should demand that Caine and Weiner provide you with specific information, including:

  • Proof that you are the legal debtor.
  • Complete substantiation that you owe the debt.
  • Confirmation that Caine and Weiner is authorized to collect the debt from you.

In some cases, debt collectors are unable to fully substantiate their claims. If they are unable to do so, the court will throw out the lawsuit.

Let's consider an example.

Example: Suzie is sued by Caine and Weiner for an old credit card debt. In her Answer, Suzie denies all the claims against her, because she doesn't remember owing any debt to Caine and Weiner. Come to find out, Caine and Weiner purchased Suzie's charged-off account from the credit card company, but it never received the proper documentation necessary to pursue her for the debt. Caine and Weiner is unable to prove its case, and the lawsuit is dismissed. Suzie wins!


Do you need help with your Answer to Caine and Weiner?

To draft and file an Answer to a debt lawsuit, you'll need to take three steps.

  1. Respond to each of the numbered paragraphs in the original Complaint, choosing to either admit, deny, or claim a lack of sufficient knowledge about the argument presented.
  2. Assert your Affirmative Defenses (or reasons why Caine and Weiner doesn't have a case).
  3. File your Answer with both the court and the plaintiff (in this case, the attorneys representing Caine and Weiner).

To learn more about these three steps, check out this video:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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