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How to Settle Debt With Daniels, Norelli, Cecere & Tavel P.C.

George Simons | January 29, 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: Settle with Daniels, Norelli, Cecere & Tavel by responding to their lawsuit promptly, negotiating a fair settlement, and asserting defenses like the statute of limitations. Solo can help.

If you have received a notice that you owe a debt, or worse, that a lawsuit has been brought against you, it can be a stressful situation. You may have no idea where to start, but the best thing to do is to understand who you are being sued by and what your options are.

Here's everything you need to know about Daniels, Norellis, Cecere & Tavel (DNCT) and how to engage with them to resolve your debt matter.

Settle debt with Daniels, Norelli, Cecere & Tavel P.C.

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Who are Daniels, Norelli, Cecere & Tavel, PC?

Daniels, Norelli, Cecere & Tavel, P.C. is a legitimate law firm that handles debt collections and judgments from original creditors. The firm specializes in debt collection accounts and lawsuits.

Who does Daniels, Norelli, Cecere & Tavel, P.C. collect for?

Daniels, Norelli, Cecere & Tavel, P.C. handles debt collection matters for various corporate clients, including large financial institutions, healthcare companies, utilities, and so forth.

Read Daniels, Norelli, Cecere & Tavel, P.C. reviews online

Looking for insight into what others have said about their experience with Daniels, Norelli, Cecere & Tavel, P.C. discussing a delinquent account? If so, then take some time to read these real online reviews:

Objectively, the online reviews for Daniels, Norelli, Cecere & Tavel, P.C. are a mixed bag. Despite the range of reviews, it is recommended you take proactive steps to establish a line of communication with the firm to discuss your debt collection matter. Ignoring their outreach will not make the debt magically disappear. Effective communication is critically important.

Most of the time when you speak to someone at DNCT, you are not speaking to an attorney. Typically you will be speaking to a debt collection agent. However, they are a licensed law firm that has licensed attorneys on staff. This is why you need to raise valid legal defenses to any of the lawsuits they have filed, or plan to file.

How to negotiate a debt settlement with Daniels, Norelli, Cecere & Tavel, P.C.

If you received a Summons and Complaint from Daniels, Norelli, Cecere & Tavel, P.C., you still have the option to try and negotiate a debt settlement. It is important to proactively respond to the lawsuit so you have sufficient time to engage in productive settlement negotiations. Here are some recommended steps to try and settle your debt:

  1. If you’ve been served with a Summons and Complaint for a debt collection lawsuit, then make sure to file an Answer so you avoid the court entering a default judgment against you.
  2. Conduct a calculation to determine how much you can afford to pay toward the amount owed. Considering using this debt settlement formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Contact Daniels, Norelli, Cecere & Tavel, P.C to kick off settlement talks. It is recommended your opening settlement offer is less than the maximum amount you are able to pay toward the debt.
  4. Do not be shocked if the debt collector declines your opening offer. In fact, you should be prepared to engage in multiple rounds of negotiations.
  5. If you are able to reach an amicable debt settlement agreement, make sure to memorialize the terms and provisions in writing.

To learn more about these tips and others that may assist you on your journey to settle debt with Daniels, Norelli, Cecere & Tavel, P.C., watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

Understanding your rights under the FDCPA

The rules and regulations listed in the Fair Debt Collection Practices Act (FDCPA) are designed to help protect you and the general public from being harassed and subjected to unethical collection tactics by overly aggressive debt collectors. If you are being hounded by a debt collector with DNCT, there is a good chance they may have violated a provision of the FDCPA.

The Fair Debt Collection Practices Act (FDCPA) is a federal law establishing what debt collectors can, and cannot, do in their efforts to recover on a debt. For example, the FDCPA states that debt collectors are not allowed to harass debtors or use any unfair means to collect their debt.

Unfortunately, many debt collectors are notorious for ignoring the rules and regulations outlined in the FDCPA. This is why you need to gain an understanding of your rights and protections under this federal law.

Under the FDCPA, Daniels, Norelli, Cecere & Tavel, P.C. is prohibited from:

  • Making calls to you while at work if your employer does not allow calls during working hours.
  • Making calls to you at odd hours.
  • Talking to another person other than your lawyer or spouse about your debt.
  • Threatening to arrest you if you fail to pay the debt.
  • Threatening to seize your property if you fail to pay unless they have a warrant.
  • Using obscene language and threats against you.
  • Stating a different amount of the debt other than what you owe.
  • Making any false allegations about the debt.

If Daniels, Norelli, Cecere & Tavel PC violates any of these guidelines, you can use it as evidence in your defense in court within one year. The violation does not count as evidence after one year.

A successful ruling may have you compensated for damages. If there is no proof of damages, you may be awarded up to $1,000 and any court and attorney fees reimbursed.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

What happens when you are sued by Daniels, Norelli, Cecere & Tavel?

If you have received a Summons and Complaint from Daniels, Norelli, Cecere & Tavel PC, then you need to begin preparing documents and legal defense. If you do not respond to the lawsuit in the right time period (14-35 days, depending on which state you live in), then a default judgment will be entered against you. This will eventually lead to wage garnishment, frozen bank accounts, or a lien on your property.

The first step involves a debt collector filing a Complaint with the court, then you will receive this Complaint in the mail along with a Summons. The Summons notifies you of the case and the parties involved. The Complaint will tell you why the debt collector is suing you and how much they are suing you for, and it will also contain a list of allegations being made against you. This list will include how much you owe, interest, attorney fees, and court costs. The Summons will also provide you information about when and how you can file a formal response in court, as well as your court hearing.

How to engage with Daniels, Norelli, Cecere & Tavel, PC

Make sure you recognize the lawsuit

If you are served with a lawsuit for a debt and you are not sure if it belongs to you, then you may be a victim of identity theft. You should find as much proof as possible to show that this debt does not belong to you. You can also ask for proof that the debt belongs to you as well.

Gather information

When being sued by a debt collector or buyer, such as DNCT, then your debt may have been sold once or twice. This can be positive, because when your debt changes hands some of the vital information can be left behind. This information may be needed to prove that the debt belongs to you, which is required for you to be sued. This is why you need to gather as much information as possible.

Look for the information you received in the mail such as:

  • Debt verification letter
  • Who the creditor is
  • Proof the information is accurate or inaccurate
  • If you actually own the debt

Look into the statute of limitations

The statute of limitations on debt is a time period set by your state, typically between four to six years, during which a debt is valid and collectors can sue over it. After the debt has passed the time period listed on your state's statute of limitations, you can no longer be sued for the debt. This is because the debt becomes “time-barred.”

The statute time period will start on the last day you were active on the account, which means you must avoid paying on the debt or borrowing more money, otherwise, the time period will restart.

Respond to a debt lawsuit against Daniels, Norelli, Cecere & Tavel, P.C.

If DNCT is suing you for a debt, you should have received some legal documents in the mail called the court Summons and Complaint. The Summons notifies you of the lawsuit, and the Complaint lists the specific claims that DNCT is making against you. The first step to winning your case is to respond to the Summons and Complaint by filing a written Answer. Here's how.

Follow these three steps to respond to a debt lawsuit against Daniels, Torellia, Cecere & Tavel:

  1. Answer each claim listed in the Complaint document: The first and most important section of your Answer should focus on responding to the claims listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses: An affirmative defense is any legal reason that DNCT's case is invalid. A common affirmative defense to mention in a debt lawsuit case is the statute of limitations on debt. If the statute of limitations on a debt has passed, the DNCT cannot sue you for the debt. There are several other affirmative defenses you can bring up to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to DNCT: After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys representing DNCT.

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

Attend your debt collection hearing or trial

Going to your debt collection hearing is essential. If you do not go to your hearing then you will automatically lose your case and the debt collector will award a default judgment against you. If you believe that you do owe the debt you have a few choices.

The first is to set up a payment plan with the debt collector before your hearing. You will be required to pay regular payments until it is paid off. Another option is to settle the debt for less than you originally owed. It is called a settlement and typically requires a lump-sum payment.

There are cases where you may have incurred the debt, but you do not think that you should have to pay. In this case, you may refuse to pay a debt for a few reasons. This might be that the product you bought was defective or never delivered, or that the debt contract was unenforceable.

There are many other affirmative defenses that you can bring to the court as well. Affirmative defenses include:

  • Lack of standing: No legal basis for the lawsuit or no clear ownership of the debt.
  • No statute cited: The complaint failed to state facts sufficient to grant a lawsuit.

Whatever your reasons for believing that you should not need to pay the lawsuit, you must respond in the appropriate amount of time, assert your defense, and contact the law firm to negotiate outside of court. This is the best chance you have at being able to resolve a debt lawsuit with Daniels, Norelli, Cecere & Tavel, P.C. through settlement.

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

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

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

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

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.

Other debt resources


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